Google Pay is an online payments system and a digital wallet developed by Google to power in-app and make purchases using a mobile device. The app helps the users to make payments with tablets or watches or with Android-based phones.
Previously launched as Android Pay, the service was released at Google I/O in 2015. Android Pay was a successor to and was built on the base established by Google Wallet which was released in the year 2011. It used the technology from Softcard whose intellectual property was acquired by Google in February 2015. At the time of its launch, the service was compatible with 70% of Android devices and was accepted at around 700,000 merchants.
Beginning from January 8, 2018, the Android Pay and Google Wallet have been unified into a single payment system under Google’s new Unified Payments Services. Tez was a mobile service payment launched by Google in India, but later it was renamed as the Google Pay app from August 28, 2018. Google Pay has adopted the features of both Android Pay and Google Wallet using its in-store, peer to peer and online payments services.
The rebranded service provides a new API which allows the merchants to add payment services to websites, apps, Braintree, Google Assistant. The unique feature of this service is it allows its users to make use of the payment cards they have on file using Google Play.
Starting from May 2018, the Google App has added support for event tickets and boarding passes.
The Google Pay App uses the Near Field Communication (NFC) to transmit the card information which facilities funds transfer to the retailers.
It has replaced the use of debit or credit card and PIN or magnetic stripe transaction at the Point of Sale (POS) terminals, as it allows its users to upload their Google Pay wallet. The app is similar to the contactless payments which are already existing in many countries worldwide. The app works on two-factor authentication. The service allows Android-based devices to wirelessly communicate with the Point of Sale (POS) systems using an NFC antenna, Android’s security and host-based card emulation.
Most of the times the Google Pay takes advantage of the Physical authentications including that of a fingerprint ID if it is available. On those devices, which do not have fingerprint ID, the Google Pay app is activated using a passcode. Whenever the user makes a payment at a store, the app does not send the debit or credit card number with the payment. Instead, it will generate a virtual account number which represents the user’s account information and this kind of service keeps the customer payments information secure, private.
The system is designed in such a way that it sends one-time security code instead of the card or any other relevant details of the user. The Google Pay app requires the users to set a screen lock on their respective phone and it usually does not have a card limit.
All the users have to do is to add payment cards to the Google Pay services either by taking a photo of the card or by entering the card information manually.
At the Point Of Sale (POS), the users will have to hold their authentic devices to the POS system, the system which has a smart authentication will allow the system to detect when the device is considered secure (example: if the device is unlocked in the last five minutes) and challenge if necessary for unlocking the information.
The following are the features of Google Pay App
Please Note: It is necessary to link your bank account with Google Pay account to transfer money easily.
Follow the below-mentioned steps to add a bank account in Google Pay
In case, if you have a UPI PIN, then you can use that as well
Android uses follow the below-listed steps to update or remove your bank account at Google Pay.
To remove an account:
To update an account:
For IOS users
Follow the steps to delete your bank account
Follow the steps to update your bank account
Step 1: First open the Google Pay.
Step 2: Scroll down and tap on the ‘Check Balance’
Step 3: Enter your UPI PIN. If in case, you are unable to view your account balance, they you can create a new one.
1. Procedure to send money to someone who stays nearby
Step 1: First open the Google Pay App on both (sender and receiver) phones.
Step 2: The sender will have to slide the circle in the middle of the screen up towards ‘Pay’. Similarly, even the receiver who needs the money will have to slide the circle down.
Step 3: When it appears, tap on their respective profile photo and in case, if you do not see their photo, then go to the home screen, tap more and Scan the QR code. Ask the receiver to pull up their QR code which will help the sender to scan the same
Step 4: Now enter the amount, the relevant description and select the form of payment
Step 5: Tap Proceed to pay.
Step 6: Enter your UPI PIN.
Note: You will be receiving a notification, once the payment has been made.
2. Procedure to send money to someone who stays anywhere in India
Step 1: First open your Google Pay app
Step 2: Tap a contact for which payment has to be made. If in case, you cannot see the person to whom money has to be transferred, then tap on ‘New Payment’ on the home screen and tap the third option ‘Bank Transfer’
Step 3: Now enter all the relevant bank details and tap ‘Continue’ option.
Step 4: Tap ‘Pay’ option and enter the amount along with a relevant description
Step 5: Tap on Proceed to Pay.
Step 6: Enter your UPI PIN.
Note: Once the money is transferred, you will receive a notification. You will also get complete SMS information from your respective bank about debiting the amount from your account.
If in case, the user forgets the UPI PIN, then you can create a new one within no time. All one needs is the debit card details and follow the below-mentioned steps to create a new UPI PIN
Step 1: Open Google Pay
Step 2: Towards the top left, tap your photo
Step 3: Proceed further and tap on ‘Payment Methods’
Step 4: After this, tap the bank account details which you prefer to edit.
Step 5: Again tap on ‘Forgot UPI PIN?’ option
Step 6: Enter the last 6 digits of your debit card number followed by the expiry date of the card
Step 7: Create a new UPI PIN.
Step 8: Enter the OTP which you will get via SMS.
If in case, the user no longer wishes to use the Google Pay App, then they can discontinue the same by deleting the Google Pay Account. Follow the below-mentioned steps to close the Google Pay account
Step 1: Open the Google Pay Account
Step 2: Towards the top – left corner, tap on your profile photo.
Step 3: Proceed further and tap ‘Close Account’
Step 4: Now uninstall the app from your phone.
After the uninstallation process, Google Pay will de-link your bank accounts from Google Pay app.
The users will have to first link their FASTag account to a supported bank account with Google Pay app.
Steps to link Bank account to FASTag Account
Procedure to send payments to FASTag Account
With Google Pay, you can make a recharge or select a plan for your prepaid mobile phone. To recharge your prepaid mobile number through Google Pay, please follow the below-given steps.
For New User:
For Existing User
How to view old recharges?
How to recharge for a different mobile number from Google Pay?
You can pay your bills using Google Pay for mobile, TV, electricity, water, and gas.
Add a biller to your Google Pay account
1. Open the Google Pay app and slide up from the bottom of your mobile screen.
2. Now tap on 'New' and type the name of the biller in the search box.
3. Tap on the name of the biller from the search results and tap on 'Link Account'
4. Now follow the on-screen instructions and keep handy your physical bill or e-bill to enter your Customer ID if asked.
Pay your bill
1. Open the Google Pay app and slide up from the bottom of your device screen
2. Now tap on 'New' and type the name of your biller in the search box.
3. Tap on the name of your biller from the search results and tap on 'Make Payment'
4. Select an account and you will find any of the below-given options
5. Now follow the further on-screen instructions to make the payment complete
6. Once done view the transaction details and bill to ensure that the payment is successful.
View your paid or pending bills
Track the status of your bill payment
You can reimburse up to $ 100,000 in AdWords bills using the Google Pay app. You can make payment using manual payments or through monthly invoices. Follow the below-given process to make the payment successful.
Using Manual Payments
IPO Mandates enables you to utilize Google Pay as a mode of payment when buying IPOs. You may apply in advance for IPOs which triggers a hold of the funds in your bank account.
Standards for IPO Mandates
IPO Mandates are only applicable in India for Google Pay users at current. You must have the below to meet the criteria for an IPO Mandate:
How does it operate?
Process to set up
Once a mandate is created by the stock broker, you'll be informed on Google Pay with a request for mandate approval.
Approve or reject a mandate
Once the request is complete, a mandate can be accepted or denied through Google Pay.
Note: It is necessary to enter the MPIN correctly for the first time. In case the MPIN is not entered correctly the bank has to raise another mandate request.
How much money you should send or receive using Google Pay is subject to regular and monthly limits. Limits for Google Pay, UPI, your bank and Google will differ. Scroll down and know the limit for your Google Pay account.
Daily Spending Limit
If your regular expenses are below the UPI cap and you still have problems, then try another bank account. Your bank can have its own limitations as to how much you may send or receive. For more details please contact your branch.
Other types of limit
Some transactions may get flagged for further review to defend against fraud. If you have difficulty making a transaction, and you don't think you've reached a cap, please contact Google Pay for further support.
Note: If you attempt to send or receive less than Rs 1, the money does not go through and you will get an alert of error.
If you want to make your Google Pay account more secure and confidential, you'll need a Google PIN to access your Google Pay app. Apart from this, you can also use your current mobile pattern or password lock to secure your Google Pay account.
Note: The generated Google PIN is not the same as your UPI PIN or the PIN that you have created to unlock your mobile.
Process to secure your account through Google PIN
Note: You will need to access the internet to open the Google Pay app, in case Google PIN is active.
How to change Google PIN?
Google Pay Send enables buddies and family members to send and receive money. Google Pay Send has been integrated into Google Pay app. Google Pay Send is integrated into the Google Pay application. And apart from this, Google Pay Send is indeed its own individual app — however, we assume it to finally be incorporated out through the Google Pay app. To verify whether you need to choose the solo app, open the Google Pay app and find “Send” button on the bottom right-hand corner of the Google Pay app.
How to configure Google Pay Send app?
It's easy to set up Google Pay Send; in addition, if you've already set up Google Pay then you don’t need to set up Google Pay Send. However, the procedure is easy whether you choose to add additional cards or your bank account. If you're in a region where you've rolled Google Pay Send into Google Pay, the methods are bit different — and still pretty fast. To use Google Pay Send, tap the Send section on the taskbar on the bottom right section of the Google Pay app, and then tap the Send or request button.
Google Pay for Business can be used to get customer payments through your business or online faster, easier and more securely. For products and services, someone with a universal payment identification code (UPIC) will use Google Pay while paying you. Business owners and shops can use the Google Pay App to start accepting digital payments with their customers. Payment goes right to your bank account with no hidden or extra charges.
Experience the quick and safe digital payment app by Google, built for businesses of all sizes. Using Google Pay for Business to accept instant payments directly to your bank account and enable new customers to explore your business. Let Google manage payments when you are operating your business with financial security! Users of more than 80 BHIM UPI Applications can make payments by Google Pay for your Business payments.
Using the app in your favorite language-pick from English, Hindi, Bengali, Gujarati, Kannada, Marathi, Tamil, or Telugu when you are aboard and use the app in a more convenient manner.
No matter how your user wants to pay, you've been covered by Google Pay for Business. You can pay your consumers using QR codes, phone number or by Tez mode With a world-class security system that helps spot fraud and avoids hacking, Google Pay for Business covers you and your customers' money. Google help center and phone service are readily accessible, whenever you need it. All the functions are accessible without any fees. Simply download the app from the Playstore or App Store and register yourself with some simple steps to grow your business.
To accept the payments from your customers, Google Pay for Business app is your perfect partner that provides you a quick and secure way to accept payments for your business instantly. Google Pay for Business offers many benefits to the merchants, some of them are listed below:
You must generate a Google Pay for Business account and set up Google Pay for Business such that your business customers can make payments via Google Pay. Go through the following steps to set up a Google Pay Business account. Make sure the following requirements must be handy before creating a Google Pay Business account.
In order to set-up a Google Pay for Business account, it is mandated to sign in to Google Pay for Business with your Google Account which is required to use to receive payments from your business-related customers. In case you don't hold a Google Account, you need to create a one. After sign in it is required to enter all the below-given details for your business information.
Note: Create a UPI ID in case you don't have the same associated with your existing bank account. Once a UPI ID is generated and mapped to their business bank account, users can enter the UPI ID in the UPI ID section of a Google Pay for Business form.
Bank Account Verification
After generating UPI ID, Google will deposit a small amount into your existing bank account that is linked to your UPI ID. Follow the below-listed steps to verify your bank account.
Google will take a review to your submitted application
The submitted application will be reviewed by Google Team. You will get an email regarding the approval or rejection of your application from the team within 48 hours. Sign in to your Google Pay for Business account to check your application status. Once your application is approved you are eligible to receive payments with Google Pay for Business.
You may have to add or update your account information once your account is generated. To do the following, you should sign in to your Google Pay account for your business:
Create a New UPI ID
By following steps, you can add additional UPI IDs to your business account:
Edit your profile information
To keep your profile updated you can change your account details. To update the details obey the following steps:
Submit your Business Details
You can update your business contact information including description, logo, and contact details for customer service. Follow the below-given steps to add your business information.
Follow the below-listed steps to pay for your Google products and services. You can also find more details about your orders by logging in to pay.google.com
Please make a note that making a payment for Google products and services using Google Pay app is totally unique from paying for other things.
Process to pay
About Payments Profile
A payment profile is mainly generated automatically for the first time when you purchase anything from Google (such as storage space via Google One or as digital content on Play). Google Payments Profile contains information like:
Instead of paying directly from a linked bank account you can add credit or debit cards as a payment method. Credit or Debit cards added to Google Pay will not substitute linked bank accounts, they are only legitimate forms of payment to merchants. For making the card payment as your default payment method, you need to link a bank account to send or receive money with others.
How do card payments work?
Google Pay generates a virtual account number known as a 'token' that substitutes the actual number of your card anytime you use a credit or debit card as a payment form. This method, called tokenisation, holds secrecy of your personal and financial records. Tokenisation ensures that when you make transactions, even transactions in other applications, your private information is not accessed with anyone at all.
Once your token has been generated and your card has been registered as a form of payment, you can make payments to merchants using your card. You are granted the way to achieve prizes and other rewards for each transaction you render with a card.
Where you can pay through card payments?
For the mentioned types of transactions, you can use a credit or debit card added to Google Pay:
Add your debit or credit cards to Google Pay
Currently Axis Visa cards and SBI Visa credit cards can be added to Google Pay as a payment option. Google Pay isn't supporting international cards at this time.
Step.1 Open the Google Pay app in your mobile and go the ‘Settings’ option.
Step.2 Now under the ‘Payments Method’ option tap on ‘Add card’
Step.3 Now enter your card details such as card number, expiry date, CVV, your name, and billing address. After entering your card details tap on ‘Save’ to save the details of your card.
Step.4 Accept the Terms & conditions, after that Google will contact your bank to verify your card details.
Step.5 Now Google will ask you for additional authentication via OTP, OTP will be auto-read or you can submit the OTP manually.
Step.6 Now tap on the ‘Activate’ option and enter your one-time password. (Note: You will get the password on your mobile number which is registered on your Google Pay account via SMS from Google. In case you don’t receive the password make sure that your submitted contact information is correct. If your contact details are up to date, please call your bank for troubleshooting).
Step.7 Once you entered the one-time password, you will get a confirmation message on your mobile screen. (In case you do not receive a confirmation message, verify your card details and try again for the same).
Step.8 Once your card is verified you can make it use for initiating transactions.
How to remove your cards from Google Pay?
How to change your default Tap and Pay Card on Google Pay?
UPI is a money transferring banking system on mobile payment apps. To link Google Pay to a bank account , the bank must operate with UPI. Your UPI ID is an account that recognizes you (usually your name@bankname) on UPI.
Follow the steps to find your UPI ID
Follow the steps to change your UPI ID