Tez - Google UPI based payment app for India

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UPI or Unified Payments Interface launched by NPCI, quickly gaining pace in online payments in India. The main reason being it is instant and free. This resulted in many players like banks, flipkart, wallets etc started their UPI based app. Next in line in the competition is Google's own UPI based payment app Tez

Google Tez, a new payment app specifically made for India, is available in the Google Play store. It uses the UPI interface to connect to a user's bank account for sending and receiving money and for online transactions directly from the bank account without the need to keep the money in wallet. Currently, Tez supports 55 Indian banks that support UPI including popular ones like the ICICI Bank, State Bank of India and HDFC Bank.The app is available in English as well as in seven other Indian regional languages. It is for now available for both iOS (read iPhone) and Android. Currently Tez is free to use. Google describes Tez as;

“Send money home to your family, split a dinner bill with friends, or pay the neighbourhood chaiwala. Make all payments big or small, directly from your bank account with Tez, Google’s new digital payment app for India,”

The app allows users to make the payments via UPI through 4 modes: through UPI ID, through bank account number+IFSC code, through scanning a QR code (bharat QR or UPI QR) and by using the phone number, the mobile number should be connected to a UPI enabled bank account. In addition to the three modes, Google has built another mode, which is especial to Tez. This is called "cash" mode and it uses proximity. The way Google describes it, the Cash mode will allow two users to exchange money if they have the phones in close proximity. Just tap the "Cash" button in the Tez app and then follow the instructions. The phone uses proximity sensor and microphone to enable payment and it, in a way, works similar to how users share Bluetooth files.

So here is how you can start using the Tez app by Google:

STEP 1: Install and start

Click here and install the app via official Play Store.

  • On opening the app for the first time, you will need to select the language and enter the Indian mobile number. You have to make sure that the number must be linked to the bank account which you want to use with the app.
  • The mobile number will be verified by OTP.
  • On next screen you will need to select any one of the Google accounts available on the device to use with the app.


STEP 2: Set up PIN and security

  • Next step the user will be prompted to set the Google PIN or the pattern to secure the app from unauthorized access.

STEP 3: Activate mobile number and select the bank

  • When user click on the payment button for the first time, he will be taken to the list of available banks with UPI facility.
  • You will need to choose your bank account and then a SMS will be sent from the sim to activate the UPI ID within Tez app.,
  • If the selected bank has already has a UPI PIN, the user will be prompted to enter the UPI PIN and if there is no UPI PIN associated with that particular bank account, user will need to set a new one.
  • After finishing these steps, a UPI ID will be assigned. UPI ID in Tez is like name@okicici or name@okhdfcbank etc.
  • The UPI ID is automatically generated from the email ID used.  You can't use your existing VPA with Google Tez app if you have one.




Currently Google has a offer on referring your friends to Tez. Both you and your friend will get Rs. 51 as the referral bonus.

If you like to use our code, please install the app using this link. https://g.co/tez/C941n

Tez is just launched and still in early stage of development. So it is normal to encounter some delay or bugs. We encountered server error in searching for the bank list once or twice while using the app on LTE network. We also expect many more features and offers as the development of the app progressses like recharge and bill pay facility, adding of existing VPA etc.


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