I personally used it for many transactions which is even big in amount and shorter ones also, and everytime it run smoothly and I feel really safe before using this app because it is developed by google and totally secure. It is simple and convenient app for pay and receive money. It directly works with the bank and do not require any additional KYC. It uses NPCI and BHIM UPI, which is secured way of transactions. It requires receiver bank details and phone number and do not require and additional information. We can make it more secure by Adding our personal UPI code and also the app is locked by code itself. It helps in paying bills, recharges, across the country. I always uses google pay to pay my house electricity bills, water bills, recharges and many more. Also it provides rewards which is great. At last I would say I like this concept of sending and receiving money with trusted name google and hustle free.