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How long will/help-7001326643 : a transaction remain in pending?.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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..How long will a transaction remain in pending?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. If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.(Image credit: Future)Transfers to UPI-linked bank accounts in IndiaWith Paysend, you can choose to send money using Unified Payments Interface (UPI) ID. This is a payment method that allows you to instantly transfer money to a bank account in India.Google presented its digital money transfer app Google Pay in 2017. It was officially launched in January 2018 when Google unified Android Pay and Google Wallet into one. It was originally named Google Tez but later rebranded to Google Pay.Google Pay is a UPI based transaction portal where money can be transferred between both individuals and businesses. Payments can be made through phones, computers, and tablets. Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI).Google Pay is available on the Google Play Store and can be downloaded and registered in a few steps.Download Process of Google PayOpen Google Play Store on your device.Search for Google PaySelect the Google Pay icon and then click ‘install’.The app will be downloaded onto your device.Open the app and select your desired language.To register your bank account of choice, enter the phone number associated with the account.You will need to verify the phone number by an OTP that would be sent to your phone.Add your email address.You will be asked to either secure the app with a different pin or use your existing phone screen locking system (if applicable).Registration Process for Google PayA bank account is to be added for which you have to select your bank from the list the app provides.Once a bank is selected, the app automatically finds the account linked to the phone number provided in the selected bank.Select the bank account when the app returns the searches.You will have a UPI ID provided at this point.Select a UPI pin, which is usually a 6 digit pin to ensure that no transactions can occur without proper authorization.A user has the option to add and access multiple bank accounts to the app. However, one phone number can be used to access one account at a time. For multiple accounts to exist, each needs to be associated with a different phone number. However, switching between multiple amounts during a transaction is a two-click process. Whichever account the user decides to transact from can be switched to as the ‘primary account’.Google Pay can be used to transfer money to the following –A bank account- The user can transfer money to any beneficiary by using their bank account number. The Google Pay app allows money to transfer through UPI mediated payments. The steps that need to be made are:Open the Google Pay app.Next, go to the ‘new payment option’The tab will display the available payment options.Select the ‘Bank transfer’ option.This takes the user to the field of bank details. Enter the Account number, IFSC code and the account holder’s name.Next, enter the amount of money that is to be transferred.Enter the UPI Pin and complete the transaction.A phone number- Making transactions using Google Pay app is very easy. The user should:Open the Google Pay app.Next go to the ‘new payment option’The tab will display the available payment options.Next select the ‘mobile number’ option displayed on the tab.In case the user has a history of transaction with the same number, he/she can directly select it from transaction displayed at home tab.Enter the mobile number and the amount of cash that needs to be sent.Complete the transaction by submitting UPI Pin.A UPI ID/QR code- This process is similar to the others but involves the receipient’s UPI ID or scanned QR code. To perform this transaction:Go to the Google Pay App.Select the option for a new paymentSelect the UPI ID or QR Code as choice of new transaction.Enter the UPI ID or open the lens to scan the corresponding QR Code.Confirm the receipient’s details by cross-checking the displayed profile name.Enter the amount of due payment.Finish the transaction by entering the UPI Pin.Google Pay can also be used to pay bills and recharge mobile phones. Most e-commerce portals today come with an option of making a payment via Google Pay. Other users can also send you a payment request. The request opens up a chatbox through which the amount of money can be specified. Small messages or descriptions can be attached to payments if the user wishes. Every transaction needs to be authorised by the UPI pin set during the set up of the application. Without the pin, the app would not allow the transfer of money.Maximum transfer amountThe NPCI enables a maximum transfer of Rs 1 lakh in 24 hours via Google Pay.Google Pay for BusinessGoogle has launched a separate app for business owners to utilise for businesses of any size. There are no fees on commercial transactions, even on this app. Customers can transfer money to businesses without any extra cost. The app provides facilities to keep track of transactions and performance which can be analysed by the business owners.Features of Google PayThe app enables an extra layer of protection by keeping the most crucial bank details, like account number shielded from public knowledge.The app also does not ask for debit or credit card numbers or CVV codes.Each transaction is recorded and can be accessed for receipt later.Any incomplete transaction is immediately notified.Google Pay provides a list of past transactions that occurred via the app, similar to a passbook.Users are notified when any contact in their circle joins the app.There is a list of offers that the app provides, which can be availed by users to earn rewards.Google Pay offers a referral code to each user. If another person uses the referral code while sighing up to the app, both the parties win monetary rewards after the new joiner completes his first transaction.Transaction procedure for Google Pay:Google pay or the Tez app helps simplify the day-to-day transactions of an individual and make them possible with just one click.There are several payment options available on the app. The basics of the transaction made on the app are possbile through several modes such as:The user can make transactions without any hassle using the direct or the cash mode that only requires audio signalling that can occur as QR form and with the permission of Google Pay these signals are utilized for the cash payment to the concerned authority.The next mode of transactions is making the payments on the phone number. This involves sending the desired amount to the phone number of the receipient by entering the UPI Pin on your G-pay app.Another mode of transaction is that involving the bank account number. The Google Pay app allows the user to transfer money directly into another person’s bank account by the help of UPI. It only requires an account number and IFSC code.The Google Pay creators were one of the pioneers in UPI transactions. They facilitated transactions from one user’s UPI linked bank account to the other UPI ID.A quick mode of making transactions is that by scanning a QR code. The shops or vendors have registered QR code that the customer can scan through Google Pay and make the total payment using their UPI. A user can also create a QR code for their own device by the QR generation option available on the app.Advantages of using Google PayThe maximum possible amount that can be transferred is considerable and only considers 24 hours before resetting.Multiple transactions can be made within a very short duration of time.Google Pay can be used by users to transact money over with any party that the user is wary of sharing bank details with. A UPI id is supported over multiple transaction portals and can be used for money transfers in such cases while keeping bank details safe.Any amount of money debited but failing to reach the destination account is returned within a maximum of 5 days.The app also enables the users to check the account balance of the linked accounts.Google Pay transactions come with a reward system wherein scratch cards can be won on certain transactions. Both money and discounts on certain commodities can be won from the cards. The money won is directly deposited in the bank accounts.Read More:Aadhar Card StatusPAN Card Correction & UpdateAadhaar Card DownloadPAN Card Apply OnlineInstant PAN Card through AadhaarPAN Card Mistakes – To AvoidHow to Link Aadhaar with PAN CardPAN Card Details Search By Name, DoB, PAN Number & AddressWhat is a Cancelled ChequeGoogle Pay FAQs:1. Is Google Pay free?Yes. There are no installation charges.2. Can Google Pay be used on iPhone?Unfortunately, in India, only an Android version is available. However, an iOS version is expected soon.3. When doesn’t Google Pay work?If your bank whose account you are using is facing server failure or other technical issues, Google Pay may be unable to transfer money.4. Can Google pay be used without the internet?No. Internet is required to maintain connections between different accounts.5. Where is UPI ID on Google Pay?It is displayed right below the user’s name and phone number in their profile. It looks like an email address.6. What does one need to make transactions using Google Pay app?One only needs a smartphone, a bank account and a linked phone number to start using the google pay app.7. What is upper limit of transactions that can be done using a Google Pay app?The maximum amount an individual can use to make transactions is Rs.1 Lakh. Also, the app allows the user about 10 transactions per day.8. Can one have more than one bank account linked with Google Pay?Yes, the app allows the user to link more than one bank account provided that the registered mobile number with the bank account is utilized on the smartphone to receive OTP.9. Does Google Pay violate any safety guidelines?No, overall the app is secure to use and does not involve any fraudulent practices associated with the bank account information of the users.10. What are permissions that the Google Pay App asks for use?The Google Pay app asks for the users consent to allow the access to individual’s SMS and camera for the communication of OTPs or unsecure logins.What is a UPI ID and how do you get one?A UPI ID is a virtual payment address (VPA) that uniquely identifies one person. It’s possible to send money to someone in India using just this ID.Your UPI ID can be generated within your bank’s mobile app, e.g. ICICI, SBI, HDFC etc. or by using other UPI apps such as Bhim, PhonePe, Google Pay, PayTm etc.How to send money using a UPIA UPI ID is like an email ID, and could be in the form: “receiver’s_name@bank_name” or “phone_number@bank_name”.If you want to send money to someone with a UPI ID, you only need to have your receivers UPI ID. You won’t need to ask receivers for their account number, account type, bank name, or IFSC code.To deliver to a recipient in India using a UPI ID with Paysend, select it as your delivery method when you send a transfer.You can send a maximum of 100,000 INR per UPI transfer. If you need to send more than 100,000 INR, please transfer using the bank deposit delivery method.Talk to our teamGlobal Transfers Support team is happy to help you via online chat or email.Tap on "New payment"Select Self-transferSelect from and to account, click nextEnter amountHow to receive payments on Google PayRequestRequesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.(Image credit: Future)Click in the user chat head on the home screen or select a user by tapping on New paymentNow, tap on RequestEnter amount and noteReceive with UPI IDClick 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 paymentReceive with QR code(Image credit: Future)Click on the scanner iconSelect “Show my spot code”Ask the person to scan and complete the paymentRecharge and Bill paymentsGoogle 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.(Image credit: Future)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 PINClick 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(Image credit: Future)Remove bank account from Google PayClick on the profile iconTap Payment methodsSelect a bank accountClick on the top-right menu option(three dots)Select Remove accountHit continueYour 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.Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.Simple, secure way to send money, recharge mobile, pay bills, buy Play Store Recharge Code. Pay directly from your bank account, with the security of Google PIN and UPI PIN. Train Enquiry. Best in class security. Money made simple. Earn Scratch Cards. Free money transfers. Zero charges.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.How long will a transaction remain in pending?Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer. During the time a transaction is pending the transaction amount is deducted from your ‘available funds,’ but your ‘account balance’ is not affected.You use your card to buy goods/services from a merchantThere’s an online check to make sure your card is valid and you have enough money to payWe authorise your transaction and the amount is deducted from your available funds. The transaction shows as ‘pending’ on your accountThe merchant sends us their transaction file for settlement, and we send the merchant your transaction paymentYour transaction is no longer pending and your account balance reduces by the transaction amountPending transactions are useful as you get to see in real-time when you have made a payment or withdrawal. This means you don’t have to wait up to 10 business days for payments to be processed to see what you’ve spent and you can avoid any surprises such as accidentally overdrawing your account.To do this, find the transaction on the Payment History page under Downloads → Payment History. Edit the Payment, and find the Meta Box in the top right of the page called Update Payment. Simply change the status from Pending to Complete and press the Save Payment button.TRENDINGTechRadar is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Learn moreHow to use Google Pay in India: a complete guideBy Srivatsa RameshMay 14, 2020.Use Google Pay like a pro!(Image credit: Future)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.AdvertisementWith 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 24x7 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..Once 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 PINOnce the above steps are completed, you’ll be taken to the app’s home screenIn 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 listAllow your phone to send SMSYour bank account will be displayed with the UPI ID. It is an automated processClick the Activate account button belowYou 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 OTPYou’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 PayIn 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.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.User InterfaceThe 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 PayWith Google Pay app, you can pay in many ways. Let’s take a look at all the methods here:(Image credit: Future)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 instantlyPay 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 scannerClick 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 hiPay with Bank account infoPaysend Group © 2021. All rights reserved.Financial service is provided by Easy Payment and Finance, EP, S.A. whose registered office is at Calle Gran Vía 51, 6ºC – 28013 – Madrid. Easy Payment and Finance, EP, S.A. is registered with Bank of Spain reference number 6849, a Spanish licensed financial institution, supervised by the Bank of Spain.Technical service is provided by Paysend plc having its office address (Global HQ) at 20 Garrick Street, London, WC2E 9BT, United Kingdom* Standard data rates from your wireless service provider may apply.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.Google Play and the Google Play logo are trademarks of Google LLC..UPI stands for Unified Payment Interface (UPI). It is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. Payments can be made via app on mobile device only. Through UPI you can transfer the money on 24×7 basis.You can link your UPI ID with Google Pay.Your UPI ID is a particular address that identifies you on UPI Payment Interface.Find your UPI IDOpen Google Pay .In the top right, tap your photo.Tap Bank account.Tap the bank account whose UPI ID you want to view.You will find the associated UPI ID under “UPI IDs”.Add a new UPI IDSign in to your Google Pay for Business account.In the menu on the left, click Payment info.Click Add additional UPI ID.Enter your UPI ID and click Next.Enter the amount of money received in your Google Pay account (related to the UPI ID provided above) and click Next.For more visit Google Pay Support..