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Google’s Indian payment app uses sound to transfer money
September 24, 2017, 3:54 pm

Google has introduced a new payment app in India called Tez (the Hindi word for “fast”). Tez features a technology called audio QR that allows users to transfer money using sounds to pair two devices. Labeled as the ‘cash mode option’, phones negotiate a connection using audio to identify the payer and payee. The sounds would be inaudible to human ears because they will be sent using ultrasonic frequencies.

The feature is similar to other cash transactions that do not require the exchange of personal details like bank accounts and phone numbers. Cash Mode works with any phone with a mic and speaker and Tez app installed, and does not require an NFC chip. Google’s Audio QR technology is similar to Chirp, which also sends data encoded in ultrasonic audio.

There are 300 million smartphone users in India, and phones with NFC are still relatively rare and expensive, with many users instead favoring entry-level and mid-tier devices. Tez is also a step beyond Google other payment platform, Android Pay, because it is linked to India’s Unified Payments Interface (UPI). Linkage to UPI allows users to link payment apps from all of the 55 banks that are currently on the country’s Unified Payments Interface (UPI). UPI is a system that allows numerous bank accounts to be linked into one mobile app, and enables secure peer-to-peer payment. Digital transactions have surged after the Indian Government banned high-value cash notes late last year.

Tez also facilitates bank-to-bank payments and is protected by Tez Shield, a data security platform from Google that detects fraud and protects user identity. Tez behaves like a chat app, using your contact list as a way to keep transaction history organized. People or businesses you have sent or received cash from are grouped together ‘like a conversation’, says Google.

The company says small businesses can also use the app to accept payments into their bank accounts, and it also accepts payments from mobile sites with just a few taps. Tez is available on both Android and iOS, and Google plans to release the app in other emerging countries including Vietnam, Indonesia, and Thailand.

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