He said, Google Pay currently does not handle anything from their end, they are just using NPCI's UPI technology as a facilitator to process the money transfers. And they don't even seem to set any time period after which the transaction times out and comes to failed status. They just keep waiting for response from the sender/receiver bank. So, if any transaction is stuck, we will be in a soup and need to struggle to get our money back. This is absolutely ridiculous. I strongly recommend not to use Google Pay for doing any money transfer above 1000 (Basically for any amount you can't wait to get back in case of a failed transaction). If you still use it, use it at your own risk.