This is the most idle payment app as of now I used. It is so fast as blink of eye. Today I used it where I saw that not only I can pay money to those who have tez app but also I can send to them who dont have this app. Here I can add the bank account of the receiver holder with his or her name and ifsc code, with this information I can send money to the account holder even Re 1. As we know its from google. So be free to use it. Its really secure one.