How to Use Google Pay in India: A Complete Guide

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Digital payments in India took off a few years ago thanks to UPI payment applications. Google Pay is one of the most popular applications from Google that runs on the unified payment interface a.k.a UPI. Initially launched as “Tez by Google”, it was later renamed Google Pay.

With the government also encouraging digital payments and prepaid transactions for the next post-lockout period, now is the time to do so. Here is 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 manage multiple bank accounts in a single mobile application. It merges several banking functionalities such as wire transfers, check balances and much more. UPI applications operate 24/7 and it is an instant real-time payment system.

In India, the National Payments Corporation of India (NPCI) launched the UPI pilot program with 21 banks and now supports more than 140 banks.

Prerequisites to use Google Pay:

  • A bank account linked to a mobile number
  • A valid debit card
  • Android / iOS smartphones (not rooted)

How to install and configure

Note: give access to the necessary permissions when prompted

(Image credit: Future)

Adding a bank account on Google Play

(Image credit: Future)
  • From the Home screen, tap the profile icon in the upper right corner
  • Under the payment methods, click on the bank account
  • Click on Add a bank account
  • Select your bank from the list
  • Allow your phone to send SMS
  • Your bank account will be displayed with the UPI ID. It's an automated process
  • Click the Activate Account button below
  • You will be redirected to a page where you will need to enter the last 6 digits of your debit / ATM card as well as the expiration date
  • After entering the details, you will get another OTP
  • You will be asked to configure a UPI PIN code (a 4/6 digit PIN code) twice
  • Once done, your bank account will be added to Google Pay

If you want to change the language of your application later, you can click the profile icon on the home screen, and then tap settings. Now click on the language and select your preferred language.

How to add multiple bank accounts and check the balance

(Image credit: Future)

Google Pay also allows you to add multiple bank accounts. To add multiple accounts, simply follow the same steps as above. First, tap the profile picture on the home screen, then click on the existing bank account. You will now need to repeat steps 2 through 10.

(Image credit: Future)

Checking the bank balance is fairly simple. You scroll down the home page, click on “check account balance” and click on the bank account whose balance you want to check. Now press Show Balance, enter the UPI code and you will get the balance.

You can also set the main bank account from which you want to send / receive money. It is the same as Check Balance, you can select “Set as Main Account” and this particular bank account will become your default bank account.

User interface

The home screen is where you have access to all things. At the top right, you have your account details with your profile icons. It will contain your Google Pay account details, such as your name, mobile number, UPI ID, bank details, etc.

Once you have completed your configuration, you may not need to access this screen much. On the left of the home screen, you will have a scanner icon, which you can use to pay (more on that to come).

(Image credit: Future)

The second half of the home screen is where all of the main transactions occur. Your recently treated people will have their name and profile icon with the “People” tag and a “Pay” button to the right. Just below, Google Pay has another section called “Business and Invoices” with a recent translation history. It is labeled with an exploration button. There is a Rewards, offers and references section just below.

Finally, to check your payment history, you have the sections “View all payment activities” and “Check account balance”. There is also a floating “New Payment” button on the home screen.

How to pay with Google Pay

With the Google Pay app, you can pay in several ways. Let's take a look at all the methods here:

(Image credit: Future)

Pay with a mobile number / name

For anyone across the country, you can pay with their single mobile number. If the contact is saved in your phone, it's pretty simple.

  • Click on the “New payment” button on the home screen
  • Select the contact from the list or enter the phone number
  • You will be redirected to a new screen, click on “Pay” and enter the amount. Adding a small note below the amount would be practical.
  • Press “Continue” to pay
  • Enter the UPI PIN code and the money will be transferred instantly

Pay with QR code / Spot Code

When you go to a store or another business, you can pay via a QR code scanner. Simply open the scanner at the top left of the screen, scan the QR code, enter the amount and enter the PIN code. If someone sends you their QR code via WhatsApp or other applications, you can access the image from the scanner page in the upper right corner by clicking on the menu icon (three dots) on ” Download from gallery ».

(Image credit: Future)

Google also recently introduced a new Spot code. The spot code is Google's visual code for Google Pay in India. It works similar to the QR code. You can share and scan the Spot code. Spot codes can be used to pay merchants as they provide a brand experience.

  • Open Google Pay
  • Tap the scanner icon
  • Now click on “Display my Spot code”
  • People can scan code with Google Pay scanner

Pay with bank account information

(Image credit: Future)
  • Click on “New payment” in the welcome screen
  • Tap Bank Transfer
  • Fill in the account number, re-enter, the IFSC code and the name of the recipient
  • Click on continue
  • Enter the amount and note
  • Enter your UPI PIN code

Automatic transfer

If you have multiple bank accounts and want to transfer funds between them, you can follow these steps.

(Image credit: Future)
  • Press “New payment”
  • Select Auto-transfer
  • Select from and to the account, click on next
  • Enter amount

How to receive payments on Google Pay


Asking is the easiest way to get money from someone. As the name suggests, you can directly ask someone for money on the app.

(Image credit: Future)
  • Click in the user's chat head on the home screen or select a user by pressing New payment
  • Now press Request
  • Enter the amount and note

Receive with UPI ID

  • Click on the profile icon
  • Under your name and mobile number, you will see your UPI ID
  • Send it to the person whose payment you want to receive
  • Ask them to enter the same UPI ID, verify your name, and then complete the payment

Receive with QR code

(Image credit: Future)
  • Click on the scanner icon
  • Select “Display my spot code”
  • Ask the person to scan and make the payment

Recharge and bill payments

Google Pay not only lets you pay and receive money, you can also charge your phones, pay for food on Zomato, book tickets, and more. Simply go to the new payment screen and click on the Company tab. Here you will see the Reload and Invoice option.

To perform mobile recharge, simply press the mobile recharge button and enter the phone number, select the operator and plan. Click on “Proceed to payment” and enter the UPI PIN code.

(Image credit: Future)

In the Bill Payment sections, you can pay the DTH bill, the electricity bill, the postpaid mobile bill, broadband, LPG reservation, the fixed network, water and much more. To generate electricity and water bills, you will need to enter the account ID / customer ID that will be generated on your bill each month.

Once you have entered the invoice and set up your account, you will receive a monthly notification with the invoice status, the payment due date and the amount. You can click the Pay invoice button and continue and complete the payment.

Change UPI PIN

  • Click on the profile icon
  • Tap Payment Methods
  • Select a bank account
  • Click on the menu option at the top right (three dots)
  • Select change PIN code
  • Enter the current PIN code
  • Define a new PIN code, re-enter the PIN code to confirm

(Image credit: Future)

Remove a bank account from Google Pay

  • Click on the profile icon
  • Tap Payment Methods
  • Select a bank account
  • Click on the menu option at the top right (three dots)
  • Select Delete account
  • Press continue

Your account will be deleted from the app.

If you want to completely close the Google Pay account, you can do that too. Head to settings -> scroll down to close the account and press -> click Close. Your UPI accounts will be deleted.

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. When locking, where we need to maintain social distance, the Scan and Pay feature will be useful.

Google Pay also comes with security features. The application asks you to unlock your screen with fingerprint / PIN / password each time you open it. Payments are also secured by UPI PIN.


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