Google Pay: How to use, add account, open, send money, secure, complaint no

How to open your - Google Pay Account

Download Google Pay on your phone running Android 5.0 (Lollipop) or higher.
Enter your our phone number.
Sign in with your Google account.
Follow the instructions to secure your Google Pay app and add a bank account.

Add a bank account - Google Pay

When you first set up Google Pay, you’ll be asked to add an Indian bank account so that you can send and receive money.

How to add a bank account - Google Pay

Check to make sure that your bank works with UPI. If it doesn’t, your bank account won’t work with Google Pay.
Open Google Pay . Note: Make sure that you're using the latest version of the app. If you're not sure, try to update the app.
In the top left, tap your photo and then Bank account.
Tap Add bank account.
Choose your bank from the list. If you don’t see your bank, it doesn’t work with Google Pay yet. Note: You might need to give Google Pay permission to send a verification SMS to your bank.
If you have an existing UPI PIN, you'll be asked to enter it.

If you don’t remember your PIN, tap Forgot PIN and follow the instructions.
If you don't have a UPI PIN, enter your debit card information.
Note: Maestro debit cards do not have expiry dates. To add a Maestro debit card, use 01/49 as the expiry date.

Countries where you can use Google Pay

Some features in Google Pay are only available in certain countries and on certain devices. We're working to bring many of these features to other countries.

With participating websites and apps, you can use this Google Pay feature in Albania, Algeria, American Samoa, Angola, Antigua and Barbuda, Argentina, Australia, Austria, Azerbaijan, Bahrain, Belarus, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Croatia, Czechia, Denmark, the Dominican Republic, Egypt, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, India, Indonesia, Ireland, Israel, Italy, Japan, Jordan, Kazakhstan, Kenya, Kuwait, Lebanon, Lithuania, Luxembourg, Malaysia, Mexico, the Netherlands, New Zealand, Norway, Oman, Pakistan, Panama, Peru, the Philippines, Poland, Portugal, Qatar, Romania, Russia, Saudi Arabia, Singapore, Slovakia, South Africa, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Thailand, Turkey, Ukraine, the United Arab Emirates, the United Kingdom of Great Britain and Northern Ireland, the United States of America, Uruguay and Vietnam.

Tip: Google Pay for iOS is only available in the US and India.

Send money through Google Pay

You can use Google Pay to send money to friends and family in India using your mobile device. You’ll need an internet connection, an Indian bank account and an Indian phone number.

You can find people to send money to if they’re nearby or you can search for them by their:

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

Send money to external bank account

Open Google Pay .
Tap “New payment” in the screen, it will take you to payment options where you need to tap Bank transfer option.
Once you chose bank transfer, the screen will ask for following details.

Recipient Name
Recipient account number and re-enter once again.
IFSC code

Once above inputs are provided, in next screen, enter the amount.
Note: Make sure you enter the correct details. Once you send the money, the transaction can’t be cancelled.
Tap Pay.
Enter the amount and description and select the form of payment.
Tap Proceed to pay.
Enter your UPI PIN.

When the money has been sent, you’ll get a notification. You'll also receive an SMS from your bank with the debited amount.

Note: If your transaction to your contact’s bank account fails, the bank might debit the money from your bank account and then refund it. In this case, you will receive two SMSes, one for the debit and the second for the refund.

If you have any issues with your recent peer to peer transactions of Google Pay then visit : Get help for recent Transactions

How to Secure your Google Pay account

To make Google Pay more secure, you will require a Google PIN to use the app. You can also use your existing screen lock to secure Google Pay.

Note: Your Google PIN is different from your UPI PIN or the PIN that you use to unlock your phone.

Choose how to secure your account

Open Google Pay .

In the top, tap your photo and then Settings and then Privacy & Security and then Security.
Select Use screen lock to use your existing pattern, PIN, fingerprint, or password that you use to lock your phone.
Note: Your fingerprint information isn't shared with the app. Learn more about Unlock with your fingerprint
Select Use Google PIN to use Google PIN

Change your Google PIN

Open Google Pay .
In the top, tap your photo and then Settings and then Privacy & Security and then Security.
Select Use Google PIN.
Tap Forgot PIN.
Follow the instructions.

How to get rewards on Google Pay

Send and receive referral rewards

You can earn up to 50 referral rewards by inviting new users to Google Pay. Once the referred user makes their first payment, both users will receive the reward. You can only earn one referral reward for installing Google Pay.

Note: The person you invite may receive invites from multiple users. You'll only receive the referral reward if the invitee uses your unique code.

The reward may take up to five business days to reflect in your account.

Send a referral invite

Open Google Pay .
Under "Payments", tap New.
Scroll to the bottom and tap Invite Friends to Google Pay.
Select how you'd like to invite.
Tap Send.

Use a Google Pay referral code

Open Google Pay .
On the top right, tap Moreand then Referral Code.
Type in the referral code that your friend sent you. If the code is valid, you’ll see a success screen.
Make your first payment.

Note: Check this if you’ve refereed but didn’t get referral reward.

Earn Google Pay Scratch Cards

You could get cashback or vouchers when you use Google Pay.

If you haven’t already done so, add your bank account to Google Pay.
Use Google Pay to send money to or receive money from someone else. You’ll get a Google Pay scratch card in your Rewards section.
Follow the on-screen instructions to find out if you've earned a reward.

If you earn cashback, the money will be deposited into your bank account within 7 business days. Read our terms and conditions for more information.

Protecting against Fraud or Unauthorised activity in Google Pay

At Google Pay, we consider it our highest responsibility to safeguard your hard-earned money and protect you from payment frauds.

We use the best of Google’s Artificial Intelligence and fraud prevention technology to identify suspicious transactions in real-time. We also actively work with the rest of the industry to build technologies that keep you safe.

However, sometimes scammers can ask you to take some deliberate actions that may lead you to lose money to them. That is why it is important for you to know about the dos and don'ts if you happen to be in such a situation.

How does authentication work in Google Pay?

Google Pay comes with two layers of protection.

The first step unlocks the payment application and the second step (UPI PIN) lets you complete the payment process. Google Pay advises you to keep the UPI PIN secret as you would keep the ATM pin secret.

In case of any suspicious activity, you should reach out to your bank and report immediately.

What to do when you receive suspicious calls?

Here are some examples on how to handle calls without context.

When you receive a call from an unknown number, be very alert. If they claim to be calling from your bank/retailer/insurance but you don’t recognize them, be wary. If the conversation turns to asking information about government IDs, documents, personal financial data like your PIN, bank account number, UPI ID, please do not share these details.

You are not required to share these details with anyone, no matter how convincing they sound.

Things you should never do incase of a suspicious call or message:

Do not accept any payment requests for making an instant transaction, especially while on the call or while online, where the caller says they are standing by.
Do not click on a link sent over SMS/email
Do not download or install an app/file while on call
Do not share your phone screen using a software or web link they send you.
Do not Reveal your UPI PIN, UPI ID, or any bank details over the phone.
Do not fill an online form, even if it looks legitimate. Fraudsters often create fake web pages that appear familiar or genuine, with logos and designs that resemble your bank or app.

What to always keep in mind?

Google Pay has provided certain guidelines that you should always keep in mind.

Your UPI PIN is only needed to send money and check balance. Receiving payments needs no PIN. In case someone asks you to enter your PIN, it means you are approving an outward payment, i.e. a payment from your bank account.
Never make a financial transaction — be it a recharge, bill payment, or anything else while distracted.
Never do it under pressure with someone on the phone line.
Never share sensitive personal details on social networking sites.
Never transfer funds without confirming a person’s identity.

What to do if you are a victim of a fraud transaction?

Instantly report any irregularities in your transactions to your bank and the government’s Cyber Cell. We recommend you to do the following if you suspect fraud on your Google Pay transaction:

Report transaction to you bank
We suggest you reach out to the cyber crime police department in your local jurisdiction.
Please use this form to report it to Google. We will evaluate your request against our policies and take action accordingly.

Some helpful tips to make your Google Pay payments safe:

Keep your UPI PIN secret: Your UPI PIN is just like your ATM PIN. Never share it with anyone.
Only download trusted apps, Harmful apps can access personal information including your payment details you type on your screen.
Be cautious of sharing your UPI PIN on websites or forms sent to you via a link.
You don't need to enter your UPI PIN to receive money: Entering your UPI PIN means you are paying someone. Pay attention to which direction your money is moving.
Only use your payment app to reach customer care: Find genuine support details in the Help/Support section of your Google Pay app. Avoid untrusted numbers which may be listed on the Internet.