I am using tez from last few weeks, It is good UPI apps. It gives us refer and earn offer and many people earn from it. It was only for promotion of app. I checked all the features of app. UPI is good, but if sometimes transaction get failed and if ee want to make complaint about it. We are unable. Also when we call their customer service they did not receive calls. So need to improve customer services. And also need to imporove in some area. It is useful for fast transactions. But still need for some improvement and I hope they will updated it very soon.