Google recently released a Mobile payments app called Tez Google Pay in India and the important thing to note is, it’s based on the Unified Payments Interface (UPI) launched by the National Payments Corporation of India (NPCI). Update: Google rebranded the Tez app as Google Pay. You might have already noticed several UPI based apps from banks and the more popular BHIM app (Bharat Interface for Money) and the most popular UPI based private app is the Flipkart’s Phone pe which operates as both UPI based money transfer app and digital wallet and also it has additional recharge and bill pay options.