What is Google Pay?
You can send money, make payments online and in-store, and more with Google Pay, a mobile payment service. You can save your cards, gift cards, loyalty cards, and tickets in Google Pay, and you can use it with your phone.
Google created Google Pay, a mobile payment system that was previously known as Android Pay. It enables consumers to pay at physical stores, online retailers, and within apps using their Android smartphones or other compatible devices.
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This is how it operates:
1. Configuration :
- If the Google Pay app isn't already installed on an Android device, users must download it from the Google Play Store.
- They incorporate their payment methods into the app, including digital wallets like PayPal, bank accounts, and credit or debit cards.
2. Safe Storage :
- Google Pay uses a process known as tokenization to safely store the user's payment details on their smartphone.
- By substituting a distinct digital token for sensitive card information, tokenization improves security by guaranteeing that real card information is never sent during transactions.
3. Methods of Payment:
- Users have the option to designate one of their stored payment methods as their primary source of funds.
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4. Paying :
- Customers can use their Android handset to make contactless payments at a physical store by tapping it against a contactless payment terminal that has NFC (Near Field Communication) enabled.
- Customers can choose Google Pay as their payment option for in-app and online purchases, and they can finish the transaction with a tap or by using their fingerprint or face recognition.
5. Verification :
- Before completing a payment, users could be required to authenticate themselves, usually using a PIN, fingerprint, or face recognition, in order to maintain security.
6. Processing Transactions:
- In order to process the payment, Google Pay sends the merchant or payment processor the unique token and any other transaction information that may be required.
7. Notification and Receipt:
- On their device, users receive a message about the transaction that includes the name of the merchant and the total amount spent.
- The Google Pay app allows them to view transaction receipts.
8. Safety:
- To safeguard user information and transactions, Google Pay uses a number of security measures, including encryption, device authentication, and biometric verification.
9. Approved Countries and Merchants:
- Google Pay is available in several regions and is accepted by a number of retailers and payment terminals. It can be used on iOS devices and the web, so it's not just for Android devices.
10. Integration with Transit and Loyalty Programs:
- Google Pay frequently works with loyalty programs, enabling users to store membership cards digitally and earn points.
- It allows users to pay for public transportation in some areas by supporting contactless transit payments.
HOW TO SET-UP UPI PIN WITH AADHAAR CARD
Previously, in order to register for UPI, you needed a debit card. This service used to be available only after providing an OTP via debit card. However, you no longer need a debit card to use UPI (ATM). Only if you have a mobile link linked to your Aadhaar card will you benefit from this UPI registration.
- You can add a bank account, create a UPI PIN, or establish a credit line to Google Pay using your Aadhaar card.
Add a bank account With Aadhaar
- Launch Google Pay, then press Create an Account.
- Choose the bank that is associated with your mobile number.
- Press Next.
- To validate your bank account and mobile number.
- choose Aadhaar.
- Enter your Aadhaar number's first six digits.
- Make a UPI PIN.Enter the OTPs that UIDAI and your bank sent you.
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Reset a UPI PIN
You can reset your UPI PIN using your Aadhaar card if you used it to validate your bank account.
Aadhaar-based onboarding is permitted by your bank.
To find out if your bank accepts Aadhaar-based onboarding, you can check with them.
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2 Andhra Pradesh Grameena Vikas Bank
3 Andhra Pradesh Grameena Bank
4 Arunachal Pradesh Rural Bank
5 AU Small Finance Bank
6 Axis Bank
7 Bandhan Bank Ltd
8 Banks Of Maharashtra
9 Baroda Gujarat Gramin Bank
10 Baroda Rajasthan Kshetriya Gramin Bank
11 Baroda Up Bank
12 Canara Bank
13 Central Bank Of India
14 Chaitanya Godavari Grameena Bank
15 Chhattisgarh Rajya Gramin Bank
16 City Union Bank Ltd
17 DCB Bank Ltd
18 Dhanalaxmi Bank
19 Equitas Small Finance Bank Ltd
20 ESAF Small Finance Bank Ltd
21 Federal Bank
22 Fino Payments Bank Limited Fip
23 HDFC Bank Ltd
24 ICICI Bank
25 IDBI Bank
26 IDFC First Bank Ltd
27 Indian Bank
28 Indian Overseas Bank
29 Industrial Bank Limited
30 Jammu And Kashmir Bank
31 Jharkhand Rajya Gramin Bank
32 Jio Payments Bank Ltd
33 Karnataka Bank Ltd
34 Karnataka Gramin Bank
35 Karnataka Vikas Grameena Bank
36 Karur Vysa Bank
37 Kerala Gramin Bank
38 Kotak Mahindra Bank
39 Maharashtra Gramin Bank
40 Meghalaya Rural Bank
41 Mizoram Rural Bank
42 NSDL Payments Bank
43 Punjab And Sind Bank
44 Punjab National Bank
45 Rajasthan Marudhara Gramin Bank
46 RBL Bank
47 Saurashtra Gramin Bank
48 SBM Bank India Ltd
49 Shivalik Small Finance Bank
50 South Indian Bank
51 State Bank Of India
52 Suryoday Small Finance Bank Ltd.
53 SVC Co-Operative Bank Ltd
54 Tamilnad Mercantile Bank
55 Telangana Grameena Bank
56 The Catholic Syrian Bank Ltd
57 The Cosmos Co-Operative Bank Ltd
58 The Gayatri Cooperative Urban Bank Ltd
59 The Rajasthan State Co-Operative Bank Ltd
60 UCO Bank
61 Union Bank Of India
62 Unity Small Finance Bank Limited Acquirer
63 Utkarsh Small Finance Bank Ltd
64 Uttarakhand Gramin Bank
65 Yes Bank Ltd
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