Google Pay (Tez) - a simple and secure payment app

Are you looking for a seamless and secure way to handle your transactions? Look no further than Google Pay (Tez) - an easy-to-use and secure payment app developed by Google. 

Smooth Transactions

The most striking aspect of Google Pay for me was its seamless integration with my current bank account, which obviated the need for frequent wallet top-ups or any supplementary KYC (Know Your Customer) processes. It operates using the BHIM Unified Payments Interface (BHIM UPI) by NPCI, assuring a simple and secure money transfer. However, do note that you must have an Indian bank account and a linked phone number for the app to work.

Enhanced Security

Security is paramount with digital transactions. Google Pay ensures your money is well-guarded with its world-class security system. It employs multiple layers of protection from your bank, UPI, and Google, a refreshing feature that helps prevent hacking and detect fraud. Notably, every transaction requires your UPI PIN, and you can further secure your account with a device lock method such as your fingerprint. 

Universal Application

What sets Google Pay apart is its universality. You can pay anyone, even those who do not have Google Pay, by simply starting a new conversation or entering their UPI ID or bank details. It's also handy for paying bills, with the ability to link your utility accounts and pay with just a few taps.

Additional Features

Google Pay isn’t just about making payments. It provides a variety of extra functions such as reserving IRCTC train tickets, trading 24K gold, and topping up your prepaid mobile balance. I found the Tez Mode particularly interesting for sending money securely to people nearby without sharing private details like my phone number. 

Rewards and Offers

Google Pay provides not only ease of use and protection but also presents an opportunity to gain rewards via its Scratch Cards feature, which could net you as much as ₹1,000 for every qualifying transaction. It is important to highlight that the rewards are directly credited to your bank account.


  • Seamless money transfers directly from your bank account
  • Top-notch security features
  • Ability to pay anyone, even those without Google Pay
  • Additional features like booking train tickets and buying gold
  • Attractive rewards through Scratch Cards


  • Limited to Indian bank accounts
  • Winnings from Scratch Cards are credited directly to the bank, giving less control over how you want to use your rewards
Google Pay (Tez) - a simple and secure payment app

Google Pay (Tez) - a simple and secure payment app



Overall, Google Pay (Tez) is a comprehensive and efficient payment app that provides secure transactions, convenience, and rewards. However, it is crucial to remember that it is currently limited to Indian bank accounts. For those who meet this criterion, Google Pay is undeniably a useful and rewarding tool for managing your transactions.

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