I have been using this application for last few months. And I found it satisfactory in terms of payments and online transactions. What this application lacks is its money transferring accuracy. It takes too much times and sometimes money get stuck in between somewhere. I have been its money stucking many a time. It provides rewards in scratch cards for transactions in this app but rarely I got any amount. Therr is better payment method in phonepe than tez. There is faciility of online shooping store linkup , recharge phones , bill payments. These things make it not worthy to use compared to bhim and phonepe. Its usefulness is where we need to do different type of transaction with money but it is not good enough and need more upgradation. I would rate it 3 out of 5.