Google Tez, the Internet search giant’s first UPI-enabled digital payments app was launched in India this week. Currently, if you will need a UPI app, you can choose between popular apps like Paytm, PhonePe, the NPCI’s BHIM app, and a range of UPI apps from different banks in the country. With so many already available in the market, should you shift to the Google Tez program? Following is a breakdown of this Google Tez app, from what it can to perform, to the way to utilize it, and our take on its capabilities.

It isn’t a digital wallet service like Paytm, but is instead like additional UPI programs, such as PhonePe. One of the interesting new features from the tech giant is “Cash Mode” which can be utilized to send money without details of the recipient. Typically, without another person’s ID, or phone number, you have to scan their QR code, therefore this is a simple and easy to use feature that could be utilised in place or QR codes.

On Android, the Google Tez program’s download size is really low at 8MB, however it is still large in comparison to PhonePe (4.26MB) and BHIM (2.99MB). The app assembles to over 20MB on the phone after installation, a size that shouldn’t cause much of the issue. Pretty reasonable. On iOS, it’s significantly bigger, with a download size up to 54.6MB. Article the language selection, it asks one to your mobile amount that is paired with your bank account – you’re then asked to provide permissions. We also discovered that the Tez app links this to the Google accounts signed into the phone, on both Android as well as iOS. You do have the option to link a different accounts, but a Google account is mandatory for the program to work.

As soon as you put in the number, and are verified by means of an SMS OTP, you are given the option to set up a Google PIN or utilize the current screen lock method on the phone. You’re then asked to select your lender from a list to link it for UPI transactions. If you haven’t set up UPI for that bank accounts previously, the Google Tez program will guide you to have it done. On the other hand if you’ve empowered UPI on the account, it will request the existing UPI PIN – which may also be flashed via OTP, in case you’ve forgotten it. Tez then creates a VPA using the title in your email ID. While most other apps give you the option to opt for the VPA, Tez doesn’t have the option. The VPA made for you is based upon the partnerships Google has at the time of launching (Axis Bank, HFDC, ICICI, and SBI). For instance, using a Kotak Mahindra account we were assigned a “@okaxis” VPA, but pairing it with an ICICI account resulted in an “okicici” VPA. When trying out the app, we did face difficulties when adding the bank accounts in Tez, although a few tries seemed to solve the issue. Following these steps are complete, you’re ready to go.

The first screen as soon as the Google Tez heaps up is fairly basic, has offers limited functionality when compared to PhonePe and BHIM. PhonePe gives you additional options like paying your utility bills through the program, while BHIM has simpler Send, Request, and Scan & Purchase options – the last being for QR codes, in case you don’t want to share your ID with the other individual. Making payments using the Google Tez app is easy, as it needs just a tap to select the recipient. The app also lists other Tez users out of the phonebook for a faster process. In the event a contact has already been established, clicking on it will open the transaction log with that contact, and you can easily pay or request money using this attribute. We tried transacting using the program and it worked without a hitch, though there were a few hiccups soon after launching on Monday – something Google explained to us was due to unprecedented surge in interest.

Swiping back on the first screen in the Google Tez app will give you access to “Cash Mode”, which permits you to move money without having the recipient’s phone number or needing to share your own – useful in the event of transactions at a shop or a different business. We tried this feature and it worked as advertised even in a noisy environment. But we must say that it took more than anticipated.

To incentivise Tez program, Google is offering users Rs. 51 for referring new customers to utilize the app. After the known individual makes their first payment, both users will get the amounts credited to their bank account. Aside from this, using Tez to transfer money (Rs. 50 and over) awards both the sender and the recipient Google Tez Scratch Cards, with one scratch card per week to its sender-recipient pair. Scratch card gives user the opportunity to earn up to Rs. 1,000, which is moved back to the respective bank account. We received Rs. 69 for a Rs. You may make a maximum of 10 rewards per week, up to a total of Rs. 9,000 per financial year. There Are Two Kinds of Google Tez Scratch Cards. The blue ones have been awarded to both sender and recipient, while one red ‘Lucky Sunday’s card is awarded to the sender once each week. This red Google Tez Scratch Card is locked until every Sunday, and consumers will be able to scrape it for an opportunity to win up to Rs. 1 lakh – as per Google.

Following the initial hiccups the Google Tez app seems to be working reliably. The app works as anticipated and the Cash Mode feature does seem promising. However in comparison, the PhonePe app looks more useful as it allows you to cover your utility bills and other things. However, if basic money move is what you require, the BHIM app still works just fine.

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