Google Tez, digital payment app by Google

Google, the internet search giant, has joined the digital payment market with the launch of  Tez. It is Google’s first UPI-enabled digital payment app. The app is available on both Android and IOS platforms and can be downloaded from Google Play store and Apple store. Tez is aimed to fulfill the needs of the audience looking for digital payment solutions. With already available UPI apps in the market like PayTm, PhonePe, the NPCI’s BHIM app and a range of apps from different banks across India, will Google Tez capture the digital payment market and win over other apps? With time, we will know whether it can crack the  Indian market or not.

Google Tez

What makes Google Tez stand out in a crowded digital payment market?

Google Tez is unlike the other payment apps, like PayTm, a digital wallet service, which uses mobile wallets and needs to be recharged regularly. You must load money in your wallet from your bank account and then use it. But this app allows you to transfer or receive money directly from a bank account. To do this, you would require only the mobile number or a unique UPI id(auto-generated). All the payment solutions have an extra edge and so does Tez. The unique feature is the “cash mode”, where you can send or receive using its AudioQR sharing option directly from phone to phone without any sharing of your information. This works only when the two parties are using Tez and are nearby.

Also, it isn’t like the BHIM app which uses Adhar number for verification. Tez does not require any Adhar Card verification for money transfer. However, this may be added in the future update.

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Features of  Google Tez:


  1. Since Tez uses UPI, which is used by over 50 Indian banks, it works with all major leading banks such as, Axis Bank, ICICI, HDFC Bank, SBI, etc.
  2. Tez is developed for the Indian market so it supports most of the regional languages like Hindi, Telugu, Marathi, Kannada, Tamil, and Gujarati.
  3. It supports multiple bank accounts under a single app account. You can add up to four bank accounts and each account will have its own UPI id.
  4. Tha maximum amount one can send in a single transaction Is Rs.50,000.

Google tez security system

5.Tez has “Tez Shield” which means the app has security features. The app can be unlocked either using the screen lock of the phone or with the Google Pin each           time the app is opened. Additionally, users will require to enter the UPI id each time they want to make a transaction. Users can also report spam on the app.

  1. To promote the app, Google has come up with a reward system. As per Google, users will get Rs51/- each time they refer a new user to use the app. After a referral both the users will get the money credited to their bank accounts. Apart from this, using the app to transfer money (Rs. 50 and above) will reward both the sender and the recipient, Google Tez Scratch Cards, with one scratch card per week for the sender-recipient. Scratch card gives users the chance to earn up to Rs. 1,000, which is transferred back to the bank account. Users can earn a maximum of 10 rewards per week, up to a total of Rs. 9,000 per financial year. There are two types of Google Tez Scratch Cards. The blue ones are awarded to both sender and recipient, while one red ‘Lucky Sundays’ is awarded to the sender only once per week. This red Google Tez Scratch Card is locked until the Sunday, and users will be able to scratch it for a chance to win up to Rs. 1 lakh, as per Google.

Also Read:- Free recharge

Overall, the app can be used to transfer only money but there are other apps like PhonePe, which allows you to pay the utility bills as well. Hope there are many updates in the future with many other features included in the app. It takes time for the people to understand the app to the full extent. Only then, we would be able to decide whether Tez has cracked the market or not.


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