WhatsApp vs Paytm vs Google Tez: Payment apps compared


The online payments sector which has been dominated by Paytm has slowly given rise to competitors capable of squaring up against the former with the likes of Tez and even WhatsApp entering the fray. A brief description of the three payment apps has been provided below followed by the comparison of prominent features of these platforms as well.



The payments feature in WhatsApp has not been launched officially so unfortunately, it is only available to users who have received the beta update. But if you have a friend who has received the update, by asking them to send you money, you can prompt the app to give them a pop-up message saying the feature is not available in your phone. By relaunching the app, you will be able to access the payments feature.


Paytm was launched in 2010 and has dominated the mobile wallet sector for a major portion of its existence. Growing over the years, it is now available in over ten regional languages.

Google Tez

Amassing 7.5 million downloads within 37 days of its launch, the payment service launched by Google is targeted at Indian users, this new entrant is surely one to keep an eye out for.

The prominent features to keep an eye out for are the following:

Transaction limit

Transaction limit

WhatsApp: The transaction limit set by WhatsApp is the limit that has been set by the bank.

Paytm: The limit for transactions that can be made by Paytm is 1 lakh.

Tez: The limit set by Tez is also 1 lakh, similar to Paytm.


Cashback offers

WhatsApp: WhatsApp does not offer any cashback offers as of now.

Paytm: Paytm offers a variety of cashback offers for transactions.

Tez: Similar to Paytm, the Tez app offers cashback offers but also rewards every week for making payments of over 500.


Train ticket booking

WhatsApp: WhatsApp does not offer the option of booking train tickets.

Paytm: The option of booking train tickets is available in Paytm.

Tez: Tez does not offer the option of booking train tickets as of yet.


Flight ticket booking

WhatsApp: Flight tickets cannot be booked through WhatsApp as of yet.

Paytm: Paytm can be used to book flight tickets.

Tez: Tez is also capable of booking flight tickets.


Gift cards

WhatsApp: WhatsApp does not provide the option of sending gift cards.

Paytm: Paytm has a system of gift cards in place through which you can send gift cards to people.

Tez: Tez does not offer gift cards.

Audio commands

WhatsApp: Audio commands are not supported through WhatsApp.

Paytm: Audio commands are not supported.

Tez: Tez allows you to send money assisted by Google voice assistant.


How to send money using Paytm Inbox
Cash mode

Cash mode

WhatsApp: WhatsApp does not have a cash mode.

Paytm: Paytm does not have a cash mode.

Tez: It is possible to send money to nearby users using Tez without sharing phone numbers.

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