Interested in financial products
CreditMantri
Processing

Introduction

Digital payments have changed the way we pay for anything - brick and mortar stores, online stores, local merchants, friends and family, bill payments, mobile recharges and more. E-Wallets and Payment Apps have flooded the Indian market in recent years. Google Pay, Paytm, Phone Pe, Amazon Pay, Jio Pay are just some of the popular ones.

Google Pay comes from the renowned technology house of Google.  It is a financial service app that allows users to make bill payments & money transfers directly from their bank accounts. Google Pay is projected as ‘The simplest way of sending money to your family, recharging your mobile or paying your street corner tea shop uncle’.

Introduction to Google Pay - Launch, Initial Versions & Technology

Google Pay was originally launched as ‘Android Pay’ in 2015. It became Google Pay in 2018. It is marketed as a mobile payment platform and an electronic wallet built by Google to facilitate in-app purchases and tap-to-pay transactions on mobile devices, allowing users to make payments on Android phones, tablets or watches.

You can pay the merchants using the QR Code, their Phone number or Bank Account numbers with IFSC Code. Google Pay takes advantage of physical verification, such as fingerprint ID, where available. Google Pay is enabled with a passcode on smartphones without a fingerprint ID. When a customer makes a payment to a retailer, Google Pay does not include the customer's account details with the transaction. Instead, it creates a virtual account number that represents the details of the user's account. This system keeps customer payment records confidential and provides a one-time authentication code instead of a card or device data.

How to get started with Google Pay?

It is very simple to set up your Google Pay account. Follow these steps to start experiencing lighting fast money transfers and secure bill payments today!

  • Download the Google Pay App
  • Set your Screen Lock
  • Link your Bank Account; The App will automatically detect bank accounts linked to your phone number. You can add as many bank accounts as you want.
  • You are ready to start your payments

What are the advantages of using Google Pay?

  • No need to load money onto your Google wallet. Pay directly from your bank account.
  • Seamless payments for mobile recharges, DTH bill payments, utility bills and more.
  • Get rewarded every time you transact on Google Pay. Get amazing discounts on partner brands or attractive cashbacks on money transfers.
  • Carry out safe transactions that are secured through 2 level authentication. Each transaction requires your UPI PIN to be entered to complete the process. Google Pay protects your payment details with several layers of encryption, leveraging one of the most sophisticated security infrastructures in the world to help keep your account safe. Google Pay does not reveal your individual card number when you pay in stores, so your details remain secure.
  • Send money to friends and family anywhere in India. You get scratch cards for money transfers worth up to Rs.1 lakh. If you win, the cash reward is credited to your bank account directly. You don’t even need additional KYC.
  • Get rewarded with cash rewards directly into your account for referring friends and families to use Google Pay.
  • Explore the latest prepaid plan options and recharge your mobile plan instantly. Recharge your mobile phone or pay a postpaid bill in just a few steps. Find the cheapest and most frequent recharging plans as well as recharging them in one swipe. You can also recharge your DTH connection with all providers.
  • Utility Bill Payments are now a breeze – With Google Pay, you can now pay for water, broadband, electricity, landline, gas bills and more effortlessly. Just once link your biller accounts with Google pay, and receive regular reminders to pay your bill in just a few taps. Google Pay has partnered with billers around the country.
  • Check your bank account balance - Don't have to visit the bank or ATM to see your bank balance, instantly access your bank account balance at any time, comfortably.
  • Use Google Pay to plan your next travel - Book your planes, bus tickets or order your meals through the app. Partners include Zomato, RedBus, Goibibo, MakeMyTrip and many more.
  • Book train tickets from IRCTC – Have your IRCTC account details ready and book train tickets with a few simple clicks on the Google Pay App.
  • You can now buy, sell, gift, and earn 24K Gold - Securely trade gold with live market prices backed by MMTC-PAMP. Gold is safely stored in your Google Pay Gold Locker or shipped as gold coins to your house. Now you can even give a gift of gold to your buddies and win gold as Google Pay incentives.

How to send money to my friends & family using Google Pay?

You can use Google Pay to transfer money to friends and family in India through your smartphone. You're going to need an internet service, an Indian bank account and an Indian phone number.

You can send money to a person using one of the following details:

  • Name
  • Phone number
  • UPI ID (typically friendname@bankname)
  • Bank Account and IFSC code

Once you have pulled up the correct contact to whom you want to transfer the money, follow these simple steps to initiate the transfer:

  • Pull the contact you want to transfer money to. 
  • Tap Pay.
  • Enter the amount and description 
  • Choose the account from which the payment has to be made.
  • Tap Proceed to pay.
  • Enter your UPI PIN.
  • You’ll get a notification via SMS once the transfer has been successfully done. Your bank will also send an SMS with the transfer details.

How to pay bills on Google Pay?

You can make bill payments to a number of billers across the country. They include mobile postpaid bills, DTH connections, electricity, water, gas, insurance and many more.

  • You have to add the biller to your Google Pay account. 
  • From the home page of your Google Pay account, select the relevant segment of biller.
  • Enter your customer ID, phone number or other identification credentials to pull up your account with the respective biller.
  • Click on ‘Link Account’ to complete the linking. 
  • Once you have linked the biller, you just have to tap on the biller name and your account will be automatically displayed.
  • Click on ‘Pay’ to make the payments for your biller. 
  • Once you have linked the biller, you will get notifications on the monthly bill amount and due dates, from Google Pay.
  • Pay directly from your bank account in just a few clicks.

Recharging your mobile phone using Google Pay

Google Pay allows you to check various plans and offers from your mobile operator, so that you can choose the best plan before you recharge. Here are the steps to recharge your mobile number –

  • The first time, you need to add your mobile number to your Google Pay account. 
  • Once you login to Google Pay, select ‘New Payment’ and then ‘Mobile Recharge’.
  • You can enter your mobile number or choose the operator from the list. 
  • You will be displayed the Operator name and the Circle. 
  • You can set a nickname for the mobile account for easy identification the next time.
  • Click on ‘Continue’. You will be taken to the screen with the latest plans and offers for the linked mobile number.
  • Choose the best plan that suits you and proceed to pay. 
  • You will be displayed the bank accounts you have linked to your Google Pay. 
  • Choose the bank account from which you want to pay for the payment. 
  • Enter the UPI PIN to complete the payment. 
  • Your recharge is done. You will get a confirmation message from your operator and bank regarding the transaction.
  • The next time you want to recharge, you will find the linked mobile numbers under the mobile recharge tab.

How do I add or remove a bank account to my Google Pay account?

There is no limit on the number of bank accounts you can add to your Google Pay account. The important point is, all these bank accounts should be linked to the mobile number linked to your Google Pay account. Also, the SIM card with the phone number should be the one on the mobile phone you have installed the Google Pay app.

  • At the time of registering your Google Pay account, you will be required to link one bank account.
  • Later on, you can add other bank accounts under your name to your Google Pay account.
  • Login to your Google Pay account. 
  • Go to your Profile. 
  • Select ‘Bank Account and Cards’. 
  • It will display the default bank account which will be used to send and receive funds.
  • You will see the option ‘Add Bank Account’ & ‘Add Card’. 
  • Click on the add bank account option to add your bank accounts. 
  • You can use the add card option to add a ‘Axis Visa Credit / Debit Card’ or an ‘SBI Visa Credit Card’.

Once you have added the bank account, if you want to remove a particular account or card, follow these steps:

  • Login to Google Pay and go to Bank Accounts and Cards. 
  • Tap on the account or card you want to remove. 
  • From the menu, select ‘Remove Account’. 
  • This will unlink the particular account or card from your Google Pay account.

FAQs

1. The amount was deducted from my bank account, but the transaction failed at the last step. What should I do?

Payments may usually take up 3 business days to be processed. Please wait till then and check your bank statement to see if the money has been reversed.

2. I am unable to add my bank account to Google Pay. What do I do?

Google Pay works with all banks that support UPI. Just check if your bank supports UPI Payments.

3. How safe is Google Pay?

Google Pay safeguards your privacy by integrating high-quality security functionality from Google Pay to help detect theft, avoid hacking, and secure your identity. Your Google Pay information is held on encrypted servers in a remote location and is supervised by the Google team at all times. If you believe there has been a case of theft or illegal activity in your account, please contact Google Pay immediately. You can also call the bank to contest any charges arising from an illegal transaction.

4. How can I check my bank account balance through Google Pay?

Google Pay allows you to check your bank account balance on the Google Pay App.

  • Open Google Pay
  • Go to your Profile and tap on Bank Accounts & Cards
  • Choose the bank account
  • Click on ‘View Balance’
  • You will be required to enter your UPI PIN
  • The bank account balance is displayed on the screen

5. Is there a limit on the amount of money I can transfer in a day?

Yes, there is a limit on the amount of money and the number of money transfer transactions you can carry out in a day using Google Pay.

  • Daily limit of Rs.1 lakh across all UPIs you have
  • Not more than 10 money transfers across all UPIs you have
  • Bank account limit is also considered

×Thank you! Your comment will be reviewed and posted shortly.

CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.