Digital payments in India took off a couple of years ago thanks to the UPI payments apps. Google Pay is one of the most popular apps from Google which works on Unified Payments Interface a.k.a UPI. Initially launched as ‘Tez by Google’, it was later rebranded to Google Pay.With the government also encouraging digital payments and prepaid transactions for the coming post-lockdown period, this is the right time to do so. Here’s the complete guide on how to get started with the app and use it like a pro.
What is UPI?
UPI stands for Unified Payments Interface. It is a system that can handle multiple bank accounts in a solo mobile application. It merges several banking features like transfer, check balance, and much more. The UPI apps work 24×7 and it is an instant real-time payment system. In India, National Payments Corporation of India (NPCI) started the UPI pilot program with 21 banks and now UPI supports over 140 banks.
Pre-requisites to use Google Pay:
A bank account linked with mobile numberA valid debit cardAndroid/iOS smartphones (non-rooted)
How to install and set up
Note: Give access to the necessary permissions when asked
Install Google Pay from Play StoreOnce installed, open the app and enter your mobile number linked with your bank accountPick your Google account, and hit the Next buttonYou will get the OTP and Google Pay will automatically verify itSelect the option to secure your account with a current phone screen lock or create a new 4-digit Google PIN Once the above steps are completed, you’ll be taken to the app’s home screen
Adding bank account on Google Play
In the home screen, tap on the profile icon on the top right cornerUnder the payment methods, click on the Bank accountClick on Add Bank AccountSelect your bank from the list Allow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button below You will be taken to a page where you will have to enter the last 6 digits of your debit/ATM card along with expiry dateAfter entering the details, you’ll get another OTP You’ll be asked to set up a UPI PIN (a 4/6 digit PIN) twiceOnce this is done, your bank account will be added to Google Pay
In case you want to change your app language later, you can click on the profile icon in the home screen, then tap on settings. Now, click on the language and select your preferred language.
How to add multiple bank accounts and check balance
Google Pay also allows you to add more than one bank account. To add multiple accounts, you just need to follow the same steps as above. First, tap on the profile photo in the home screen and then click on the existing bank account. Now you will have to repeat steps 2 to 10 again.
Checking the bank balance is pretty straightforward. You scroll down on the home page, click on the “check account balance” and click on the bank account for which you want to check the balance. Now, tap on the View Balance, enter UPI code and you will get the balance. Also, you can set the primary bank account from which you want to send/receive money. It is the same as Check balance, you can select “Set as primary account” and that particular bank account will be made your default bank account.
The Home screen is where you get access to all the things. On the right top, you have your account details with your profile icons. It will have the account details of your Google Pay account like your name, mobile number, UPI ID, bank account details, and more. Once you’ve completed your setup, you might not need to access this screen much. On to the left of the home screen, you will have a scanner icon, which you can use to pay (more on that ahead).
The second half of the home screen is where all the major transactions happen. It will have your recently transacted people with their name and profile icon with “People” tag along with a “Pay” button towards the right. Just below this, Google Pay has another section called “Businesses and bills” with recent translation history. It is tagged along with an explore button. There is a Rewards, Offers, and Referrals section just below.Lastly, to check your payment history, you have “See all payment activity” and “Check account balance” sections. There is also a “New Payment” floating button on the home screen.
How to pay using Google Pay
With Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:
Pay with mobile number/nameFor any person across the country, you can pay with just his/her mobile number. If the contact is saved in your phone, it’s pretty straight forward.
Click on the “New Payment” button on the home screenSelect the contact from the list or enter the phone numberYou’ll be taken to a new screen, click on “Pay” and enter the amount. Adding a small note below the amount would be handy.Tap on “Proceed” to payEnter UPI PIN and money will be transferred instantly
Pay with QR code/Spot CodeWhen you go to any shop or other businesses, you can pay via QR code scanner. Just open the scanner on the top left of the screen, scan the QR code, enter the amount, and enter the PIN. In case someone sends you their QR code via WhatsApp or other apps, you can access the image from scanner page from the top right corner by clicking on the menu icon (three dots) on “Upload from the gallery”.
Google also introduced a new Spot code recently. Spot code is Google’s visual code for Google Pay in India. It works similar to the QR code. You can share and scan Spot code. The spot codes can be used to pay merchants as they offer branded experience.
Open Google PayTap on the scanner iconNow, click on “Show my Spot Code”People can scan the code with Google Pay scanner
Pay with Bank account info
Click on “New payment” in the home screenTap on Bank transferFill Account number, re-enter, IFSC code, and recipient nameClick continueEnter the amount and noteEnter your UPI PIN
If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.
Tap on “New payment”Select Self-transferSelect from and to account, click nextEnter amount
How to receive payments on Google Pay
Request Requesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.
Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and note
Receive with UPI ID
Click on the profile iconUnder your name and mobile number, you’ll see your UPI IDSend that to the person from whom you want to receive the paymentAsk them to enter the same UPI ID, verify your name and then complete the payment
Receive with QR code
Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the payment
Recharge and Bill payments
Google Pay, not only allows you to pay and receive money, but it also allows you to recharge phones, pay for food on Zomato, book tickets, and much more. Just head to the new payment screen and click on the Business tab. Here you’ll see Recharge and Bill payments option. To do mobile recharge, just hit on the mobile recharge button and enter the phone number, select the operator and plan. Click on “Proceed to pay” and enter the UPI PIN.
Under the Bill payment sections, you get options for paying DTH bill, electricity bill, postpaid mobile bill, broadband, LPG booking, landline, water, and much more. For electricity and water bill generation, you will have to enter the Account ID/Customer ID which will be generated on your bill every month. Once you enter the bill and setup your account, you will get a notification every month with bill status, payment due date, and the amount. You can click on the Pay bill button and proceed and complete the payment.
Change UPI PIN
Click on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select change PINEnter the current PINSet new PIN, re-enter PIN to confirm
Remove bank account from Google Pay
Click on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continue
Your account will be removed from the app.In case you want to completely close the Google Pay account, you can also do that. Head to the settings -> scroll down to Close account and tap -> click Close. You UPI accounts will be deregistered.
Once you start using UPI apps like Google Pay, it will completely change the way you pay money. It offers several banking features at your fingertips. In the time of lockdown where we have to maintain social distance, the Scan and pay feature will come in handy. Google Pay also comes with security features. The app asks you to unlock your screen with fingerprint/PIN/password every time you open it. The payments are also secured by UPI PIN.
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