check if message read permission is accessed by the app.

many people donot have smart phones, so this app creates a dummy money set by me as 1000 Rs. It can proceed with transfer of money

You can send money in format MO <reciever's number> example: MO 98643532627 150 and send it using your mobile in which it has Way to Pay installed.

a- to do the present task using real Money from bank transaction as in Bhim upi payments.