At least in India, you would have to add account details which include account number and Indian Financial System Code and then it takes a couple of hours to ge

At least in India, you would have to add account details which include account number and Indian Financial System Code and then it takes a couple of hours to get it approved. Once you have completed this one time process then you can send money in a relatively easy way. Google Pay which is a UPI client in India is just an interface over bank-to-bank transfer which takes way the above process. You can use an id or your mobile number to transfer money from bank to bank without any intermediary. It's a revolutionary step in money transfer. There are several clients which use this UPI or Unified Payment Interface and that is the great thing about it.