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Google Pay App

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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.

How Does Google Pay App Works?

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.

Features of Google Pay App

The following are the features of Google Pay App

  • The users can use either their phone’s ID or fingerprint scanner to secure the payment apps.
  • The Google Pay App offers language support for English, Hindi, Kannada, Bengali, Tamil, Gujarati, Marathi, Telugu.
  • The users will get offers on a number of cashback schemes for paying bills and for transferring money.
  • The Tez Shielding Security feature will help to detect fraud, verify the user's identity and prevents hacking.
  • Users can keep a track of the money which they have earned from Google in the rewards section.
  • User can send up to Rs 1,00,000 a day across all the UPI based apps.
  • If the user refers the Google Pay app to his/her friend, then they will be entitled to earn Rs 51 cashback.
  • Get a single transaction via the Google Pay App which cannot exceed Rs 1,00,000.
  • Users can use the app to transfer money for more than 10 times in a day.

Procedure to Open a Google Pay Account

  • First, download the Google Pay app in your phone which is available in Google play store for both iOS and Android-based devices.
  • Select your preferred language
  • Enter your mobile number which is registered with the bank account
  • The app will automatically detect your email id, proceed further and click on ‘Continue’
  • An OTP will be sent to your registered mobile number, allow the app to access it manually
  • Now you have to choose the screen lock or you can opt to create a Google PIN. Select the relevant option and click on ‘Continue’
  • Set up your Google screen lock or PIN.

Please Note: It is necessary to link your bank account with Google Pay account to transfer money easily.

How to add a Bank Account in Google Pay?

Follow the below-mentioned steps to add a bank account in Google Pay

  • Post completion of the initial steps to open the app, tap on your name at the top of the screen.
  • You will be redirected to a new page which will ask you to ‘Add Bank Account’, tap on it
  • Several options will be displayed, go through them and choose your respective ‘Bank Name’ from the provided list
  • Post selection of the Bank, a pop-up will appear, tap ‘Allow
  • Proceed further, now another pop-up will appear which will show the account link, now click ‘OK
  • A verification SMS will be sent, after this procedure, your mobile number will be verified and after that, your account will be verified. It is completely an automatic process.
  • Post verification, a new page will get displayed. Proceed further and tap on ‘Enter UPI PIN’ to link the ‘New Bank Account’.
  • After you enter the UPI PIN, the bank account will get linked to the Google Pay app.

In case, if you have a UPI PIN, then you can use that as well

Process to remove or change your bank account on Google Pay for both Android and IOS users

Android uses follow the below-listed steps to update or remove your bank account at Google Pay. 

To remove an account:

  • Open Google Pay on your mobile and tap your photo > Bank account under the top left side of your mobile screen
  • Now select the account that you want to delete and tap on ‘Remove account’ under the more section

To update an account:

  • Open the Google Pay app and go to the top left section of the app
  • Now tap on your profile photo and then tap on ‘Bank account’
  • Now select your account that you are willing to delete and tap on the ‘Set as primary account’

For IOS users

Follow the steps to delete your bank account

  • Open the Google Pay app in your IOS mobile and tap on your profile photo under the top left corner of the screen
  • Now go to the ‘Bank Account’ section and select the account that you want to delete
  • Now tap on ‘More’ and then tap on ‘Remove account’

Follow the steps to update your bank account

  • Open Google Pay app in your IOS mobile and tap on your profile photo under the top left corner of the screen
  • Under the ‘Bank Account’ tab select the account that you want to update
  • Now tap Set as primary account option and you are done

Procedure to Create UPI PIN

  • First click on ‘Don’t know your UPI PIN?’ option
  • Now enter the last 6 digits of your ATM or debit card along with its expiry date.
  • Proceed further and tap on the arrow which is seen on the right corner. An OTP will be sent to your mobile number.
  • Enter your ATM pin and tap on the correct sign
  • Now set up your UPI PIN
  • You will receive a text message stating your UPI PIN has been set.

Procedure to check Google Pay App Balance

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.

How to send money using Google Pay App?

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.

Procedure to Reset Google Pay UPI

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.

Procedure to close Google Pay Account

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.

Procedure to Top-up FASTag Account with Google Pay

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

  • First, open Google Pay app/ e-wallet
  • Tap ‘New’ option
  • Under ‘Suggested Businesses’ tap on More. If in case, FASTag is not listed then tap ‘More’ option again
  • Tap on FASTag option, select Get Started
  • Enter your respective account information. (Issuer Bank refers to the bank which has issued the FASTag and the same can be found on your FASTag sticker)
  • Proceed further and click on ‘Tap Next’
  • Review the account information and tap on ‘Link Account’.

Procedure to send payments to FASTag Account

  • First, open Google Pay App in your smartphone
  • Swipe up from the bottom of your screen
  • Tap on FASTag and choose ‘Make Payment’ option
  • Choose the FASTag account which you want to send money to
  • Enter the amount which has to be sent
  • Proceed further and tap the tick mark to confirm.

Process to recharge prepaid mobile phone via Google Pay

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:

  • Open the Google Pay app and swipe up from the bottom of your mobile screen.
  • Now tap on the 'New Recharge Prepaid Mobile' option and enter the mobile number that you want to recharge.
  • Now tap on 'Continue' and enter a nickname for your number. It is recommended to enter a simple nickname that you can easily remember in the future.
  • Now select the mobile operator details, under 'Operator and circle' and then tap on 'Continue'
  • Now enter the recharge amount or choose a plan from the options.
  • Now tap on 'Proceed to Pay' and follow the further on-screen instructions
  • Once the transaction is successful you will get the transaction details via SMS on your registered mobile number.

For Existing User

  • Open the Google Pay app and swipe up from the bottom you screen
  • Now tap on the mobile operator and select a type of recharge
  • If you want to repeat the last recharge, tap on 'Repeat recharge' under the amount
  • Now enter a custom recharge amount or else you can choose a plan from the given options.
  • Now tap on 'Proceed to Pay' and follow the further on-screen instructions.

How to view old recharges?

  • Open Google Pay and swipe up from the bottom of your mobile screen
  • Now tap a mobile operator and you will get the list and details of the past recharges done by you.

How to recharge for a different mobile number from Google Pay?

  • Launch the Google Pay app and swipe up from the bottom of your mobile screen.
  • Now tap a mobile operator and next to the number’s nickname, tap the Down arrow icon.
  • Now select the number that you want to recharge and select the plan from the given list or enter the custom recharge amount.
  • Now tap on 'Proceed to Pay' and complete the payment by following the further instructions on the screen.

Process to pay bills using 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

  • Pay a custom amount: Tap Make Payment and enter the amount that you’d like to pay.
  • Pay an available bill: On the bill, tap Pay Bill.

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

  • Open the Google Pay app and slide up from the bottom of your mobile screen
  • Now tap on a biller and you will see the list and details of your pending and paid bills.

Track the status of your bill payment

  • Open the Google Pay app and slide up from the bottom of your mobile screen
  • Now tap a biller and select the bill payment
  • Now you can check the status of your bill payment

Process to pay AdWords bills using Google Pay

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

  • Open the Google Pay app and slide up from the bottom of your device screen.
  • Under the 'Payments' menu tap on the 'New' option
  • Now search for Google Ads and select the same
  • Now enter your Virtual Account Number (VAN). (Hints: You can find this number in your Adwords account, please ensure you enter the details correctly. You can not cancel the transaction once you pay your bill).
  • Tap on 'Continue' and enter the bill amount then tap on 'Proceed to Pay'
  • Now enter your UPI ID and you are done

IPO Mandates on Google Pay

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:

  • Google Account
  • Google Pay app
  • UPI (United Payment Interface)

How does it operate?

  • By submitting your Google Pay United Payment Interface (UPI) you can register for an initial public offering ( IPO) with your broker.
  • Your broker will then submit your information in the Securities and Exchange Board of India (SEBI) interface.
  • You will get an alert of mandate approval request on your Google Pay app, for which you can accept or deny the request.
  • If you have been assigned IPO shares, an alert will appear after the money are deducted from your account.
  • Your shares will be allocated once the mandate is initiated by your broker. 

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.

  • Open the Google Pay app on your mobile and tap on ‘Menu’ > ’Settings’ located on the top left of the app.
  • Now tap on ‘One-off mandates’ under the  'Account' section.


  • Mandates must be authorised within the specified time limit which is shown on the summary page of the mandate.
  • Mandates expire when the allocation of shares is processed and releases of funds are processed.

Approve or reject a mandate

Once the request is complete, a mandate can be accepted or denied through Google Pay.

Approve Mandate

  • Tap on ‘Approve’ and enter your MPIN to complete the transaction 
  • An acknowledgement appears to declare that your bank account has reserved funds for the mandate.
  • Once the mandate status is updated to 'executed' the funds are removed from your bank.
  • Under ‘All Transactions’ you can view and manage the invoice of your mandate.

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.

Reject Mandate

  • Tap Reject > Reject request, to confirm the rejection of the mandate request.

Google Pay Limit

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

  • You can make a daily spend limit of:
  • You can send more than Rs 1,00,000 to all UPI users in one day.
  • You can transfer money through all UPI apps more than 10 times in a single day.

Bank 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.

How to secure your Google Pay account?

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.

  • Launch the Google Pay app in your mobile and in the top-left menu tap your profile photo > Security.
  • Now select the screen lock that you use to lock and unlock your mobile phone.
  • Now select ‘Use Google PIN’ option to use Google PIN while opening the Google Pay app.

How to change Google PIN?

  • Open the Google Pay app and in the top-left menu tap your profile photo > Security.
  • Now select ‘Use Google PIN’ option and then tap on ‘Forgot PIN’
  • Follow the on-screen instructions and you are done.
  • A successful message will be displayed on your mobile screen, once your Google PIN is modified.

Google Pay Send

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

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.

Merchant Benefits on Google Pay for Business App

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:

  • Using Google Pay’s custom business channel your customers can locate your business quickly in the Google Pay app.
  • Add more customers to your business channel by using the Google Pay app, without increasing the costs of your business.
  • Using Google Pay's personalized business channel you can generate and share offers or deals of your with business with your customers.
  • You can set up your business account on Google Pay and start accepting payments just with a few taps.
  • Google Pay provides an advanced security framework named "Google Pay Shield" which provides 24/7 security for merchants and customers to counter fraudulent activities.
  • Use Google Pay Help Center by phone or chat facility to get support anytime and anywhere.

Process to set-up Google Pay for Business

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.

  • Unified Payments Interface (UPI) ID issued by your Bank
  • Your valid PAN Number issued by the Internal Revenue Service (IRS).
  • Goods and Services TaxPayer Identification Number (GSTIN), which you issued after approval of your GST registration. 
  • Your Business Account phone number.

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. 

  • After sign click on "Accept and Continue"
  • Enter the correct name of your business and click on "Next"
  • Enter the correct address of your business from which your business operates and then click on "Next".
  • Enter the valid  business contact number and URL of your website, click "Next"
  • Now enter the below-mentioned business details:
  • Enter the 4-digit Merchant Category Code (MCC).
  • Enter your business PAN Number
  • Enter your business Goods and Services TaxPayer Identification Number (GSTIN)
  • Once entered click on "Next"
  • Now you will be asked to enter the Unified Payments Interface (UPI) ID, to establish payment via UPI. Usually, yourname@bankname is the UPI ID a unique identifier that your bank grants to you and allows you to transfer money to your bank account. 

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. 

  • Check transactions that are linked to UPI ID in your bank account. Search for the test amount that Google has deposited.
  • Now go to the Unified Payment Interface (UPI) ID verification page on your Google Pay account.
  • Now enter the same amount that has been deposited by Google.
  • If the entered amount matches the amount that has been deposited by Google in your bank account. Your account will get verified and you will see a successful message on your mobile screen.

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.   

Process to update your account information

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
  • Edit your profile information
  • Add and confirm your business details

Create a New UPI ID

By following steps, you can add additional UPI IDs to your business account:

  • Open the Google App and sign in to your Google Business Account 
  • Now tap on "Payment Info". located on the left side of the menu
  • Now tap on "Add additional UPI ID"
  • Now create a New UPI ID and tap on "Next"
  • Google will deposit a small amount into the bank account linked 
  • to the UPI ID to verify your business account. 
  • Now enter the same amount on the required space and tap on "Next" to complete the process. 

Edit your profile information

To keep your profile updated you can change your account details. To update the details obey the following steps:

  • Open Google Pay Business app and log in to your business account with your ID and Password.
  • Now tap on "Account Details" located on the left side of the menu
  • Now tap on "Edit" located in the upper-right corner of the Account details.
  • Now tap on "Done" located in the upper-right corner to save your changes. 

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.

  • Launch the Google Pay app and log in to your Google Pay for Business account by using the credentials.
  • Now click on the "Business channel" option, located on the left side of the menu bar.
  • Now in the upper-right corner of the Business channel tab, click on the "Edit" option.
  • To add a logo for your business click on the "Change" option and upload a logo of your business.
  • Now update the required information of your business and click on the "Done" option in the upper-right corner, to save the changes.

Make payment for Google Services and Products

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

  • These procedures may vary based on the Google product or service you are seeking to purchase. 
  • Launch the Google App you 're looking to purchase from.
  • Search out what you plan to buy
  • Get ready for checkout
  • If you've purchased a Google product for the first time, you'll be asked to generate a payment profile. Explore all about the payment profiles listed below.
  • Now initiate the payment and complete your purchase procedure.

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:

  • Name, address and tax ID of the individual liable for the profile.
  • Bank account details, credit/debit cards, or any payment options that you use to purchase through Google.
  • Receipts and transaction details of the past.
  • People you have referred to use your profile.

Card Payments through Google Pay

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:

  • Tap & pay (NFC)
  • Bharat QR
  • In-app merchants

Supported Banks

  • Axis Bank
  • SBI Visa Credit Card

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?

  • Open the Google Pay app on your mobile and tap on ‘Settings’
  • Now under the payment methods tap on the card you want to remove
  • Confirm it by clicking on the ‘Remove Card’ option
  • Removing your card from Google Pay will deactivate all types of card payments automatically.

How to change your default Tap and Pay Card on Google Pay?

  • Open the Google Pay app on your mobile and tap on ‘Settings’
  • Now tap on ‘Account Services’ and select Google Pay
  • To change your default Tap & pay card, follow the further on-screen instructions and complete the proce

How to find and change your UPI ID with 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

  • Open your Google Pay app and tap your photo in the top right corner
  • Now tap on bank account and select the account of which you want to view the UPI ID
  • Now you can see the UPI ID of the selected bank account under "UPI IDs".

Follow the steps to change your UPI ID

  • Open your Google Pay app and tap your profile photo under the top right corner of the app
  • Now tap on the payment method and select bank account of which you want to view the UPI ID
  • Now tap on the UPI ID linked with your bank account and then tap on the  ‘+’  symbol next to the UPI ID you want 
  • Once you make a payment you will see your UPI ID before tapping the 'proceed to pay' option
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