Google Tez….Just another UPI app? Think again…….

With much fanfare, Google’s payment app Tez was launched on Sept 19th, 2017. It operates on the Unified Payments Interface(UPI) developed by National Payments Corporation of India (NPCI)[1][5]. According to Google, It is Made in India & Made for India.

(Please note Google Tez is not a digital wallet like Paytm or Mobikwik etc. It is directly connected to your bank account and all transactions are real-time.)

India has taken a lot of steps towards becoming digital/cash-less economy since the demonetization exercise in November 2016. Google’s effort is also in this direction but seems a little delayed though. Does this mean Google has missed the bus??

Not necessarily…….

Image result for google tez

Fig 1. Logo of Google Tez – UPI based payment app[2][3]

Google Tez has some strengths which can help to carve out a market for itself. I have highlighted two main features that stand out from other UPI apps

Cash mode payment using “Audio QR”

In Audio QR, it uses sound to pair your device with another nearby device having Google Tez[4][5][6]. It works with every smartphone that has a working speaker and a microphone. In India, the smartphone user base is around 300 million as of 2017. Many smartphones users prefer using entry-level and mid-tier devices which are devoid of NFC (Near Field Communications) feature.

Image result for google tez cash mode

Fig 2. Logo of Google Tez – UPI based payment app[4][7][8]

With Audio QR, you can make secure payments without exchanging any personal information like telephone number etc. with the vegetable vendor, coffee shop owner etc. while doing the transaction.

Multiple security layers

It is backed by security provided by Indian banks, NPCI, Tez Shield (Google’s security feature which is based on Google PIN, Fraud detection, and 24×7 Support)

Image result for tez shield

Fig 2. Logo of Google Tez – UPI based payment app[3][9][10]

These are some of the features in Tez. Google intends to take it to some of the South-east Asian countries like Thailand, Indonesia, Vietnam soon[5]. There are also plans to embed it as a default app in smartphones which are being sold in India. That would be something look out for.


Google Tez seems to be a promising product with its security architecture in comparison to its peers.

In the coming years, like Google Tez, there might be more products from the Google stable to circumvent the technology lacunae in the country and provide cost-effective solutions.

If you want to share your opinion kindly do so in the comments section or email me at




5 thoughts on “Google Tez….Just another UPI app? Think again…….

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