1st of all I want to say it is secured app. Some people used to say it connects your bank it may be fraud if it so then ur all information may be leaked because google knows everything on Internet.
It works on the basis of UPI( Unified payment Interface) .
It has no extra feature as per other payment apps gives you like for different payment purposes.
For transferring money it is very good.
Nowadays it gives you scratches which directly send reward to ur bank.