How to use google pay step by step 2021

How to use google pay step by step 2021.The UPI payments applications were used to remove digital payments in India a few years back. Google Pay is one of Google’s most common applications that runs on a Unified Interface for Payments (UPI). Launched initially as ‘Tez by Google,’ later Google Pay was rebranded.

It is also the best time to do so with the government’s promotion of digital transfers and prepaid purchases for the next time since lockout. This is the whole tutorial to how to launch the software and use it like a professional.

Table of Contents

What is UPI?

Unified Payment Interface stands for UPI. It is a device that can manage many bank accounts on a single smartphone app. It combines many financial functions such as transfers, balance of payments and many more. The UPI applications run 24×7 and are instantly paid in real-time.

NPCI has launched the UPI pilot programme, with 21 banks, in India, and now sponsors more than 140 banks.

Pre-requisites to use Google Pay:

A bank account linked with mobile number
A valid debit card
Android/iOS smartphones (non-rooted)

How to Install and set up

Note: Give access to the necessary permissions when asked

Install Google Pay from Play Store

Once installed, open the app and enter your mobile number linked with your bank account
Pick your Google account, and hit the Next button
You will get the OTP and Google Pay will automatically verify it
Select the option to secure your account with a current phone screen lock or create a new 4-digit Google PIN
Once the above steps are completed, you’ll be taken to the app’s home screen

Adding bank account on Google Pay

In the home screen, tap on the profile icon on the top right corner

Under the payment methods, click on the Bank account
Click on Add 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 is an automated process
Click the Activate account button below
You will be taken to a page where you will have to enter the last 6 digits of your debit/ATM card along with expiry date

In case you want to change your app language later, you can click on the profile icon in the home screen, then tap on settings. Now, click on the language and select your preferred language.

How to add multiple bank accounts and check balance

You can also connect more than one bank account with Google Pay. You only have to take the same steps as before to connect different accounts. Tap on the home screen profile picture and click the current bank account. Now steps 2 to 10 must be repeated again.

Checking the bank balance is pretty straightforward. You scroll down on the home page, click on the “check account balance” and click on the bank account for which you want to check the balance. Now, tap on the View Balance, enter UPI code and you will get the balance.

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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 Interface

You can do anything on the Home screen. At the top right, your profile icons include your account details. You will have account information such as your phone, mobile number, UPI ID, bank account details, and more in your Google Pay account.

You do not have to use this screen much after you have finished your setup. On the left of your home screen you’ll see an icon to pay for the scanner (more on that ahead).

The second half of the home screen is where all the major transactions happen. It will have your recently transacted people with their name and profile icon with “People” tag along with a “Pay” button towards the right. Just below this, Google Pay has another section called “Businesses and bills” with recent translation history. It is tagged along with an explore button. There is a Rewards, Offers, and Referrals section just below.

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

How to pay using Google Pay

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

Pay with mobile number/name

For 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 screen
Select the contact from the list or enter the phone number
You’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 pay
Enter UPI PIN and money will be transferred instantly

Pay with QR code/Spot Code

QR code/Spot code pay Pay

You can pay with a QR code scanner when you go to some store or other business. Scan the QR coding, enter the number, and enter the PIN on the top-left side of the device. Should anyone give you his/her QR code via WhatsApp or other applications, you can use the “Upload from the gallery” menu icon (three dots) to access the picture from the top right corner of the scanner tab.

Google has also recently launched a new spot code. Spot coding in India is Google’s Google Pay graphic code. The QR code functions in the same way. Spot code can be shared and scanned. The spot codes enable traders to pay for their brand experience.

Open Google Pay
Tap on the scanner icon
Now, click on “Show my Spot Code”
People can scan the code with Google Pay scanner

Pay with Bank account info

Click on “New payment” in the home screen
Tap on Bank transfer
Fill Account number, re-enter, IFSC code, and recipient name
Click continue
Enter the amount and note
Enter your UPI PIN

Self Transfer

You should take these procedures if you have many bank accounts and want money to be transferred between them.

Tap on “New payment”
Select Self-transfer
Select from and to account, click next
Enter amount

How to receive payments on Google Pay

Request

Requesting is the easiest way to receive money from someone. As the name suggests, you can directly request money from someone on the app.

Click in the user chat head on the home screen or select a user by tapping on New payment
Now, tap on Request
Enter amount and note

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Receive with UPI ID

Click on the profile icon
Under your name and mobile number, you’ll see your UPI ID
Send that to the person from whom you want to receive the payment
Ask them to enter the same UPI ID, verify your name and then complete the payment

Receive with QR code

Click on the scanner icon
Select “Show my spot code”
Ask the person to scan and complete the payment

Recharge and Bill payments

Google Pay helps you not only to pay and get money, but also to re-charge mobile, pay for zomato food, book tickets and much more. Tap on the current billing page and the Business tab. You can see here the payment option Recharge and Bill.

To recharge cell phones, simply hit and enter your telephone number, choose the operator and schedule. To enter the UPI PIN, click on “Pay method.”

Payment solutions for DTH charge, gas, telephone postpayment bill, cable, LPG booking, fixed-lines, power and more are available under the Bill payment parts. You will have to enter the account ID/customer ID that is generated on your bill every month for energy and water bill generation.

If you enter the bill and set-up your account, the bill status, the payment due date and the balance will be notified each month. Payment may be done with a click on the ‘Paid Bill’ button.

Change UPI PIN

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

Remove bank account from Google Pay

Click on the profile icon
Tap Payment methods
Select a bank account
Click on the top-right menu option(three dots)
Select Remove account
Hit continue

The app will delete your account.

If you like the Google Pay account to be closed entirely, you can do that too. Scroll down to Close Account and tap -> click Close. Click On. You will be logged out of UPI accounts.

If you decide to use UPI applications such as Google Pay, the way you pay money can change entirely. It provides you with many banking functions. When we lock down, the scan and pay feature would be helpful if we need to keep social distance.

Protection features are also used in Google Pay. Any time you open the app, you are asked to open your display with a fingerprint/pin/password. Payments are also guaranteed with UPI PIN.