January 3, 2025 · 13 mins read
Santosh Kumar
Google Pay is one of India's most popular payment apps, offering secure and seamless UPI transactions. Google Pay has become one of the most popular payment options. It just not making payments but users can do a lot more with their google pay app Over the years, our country has witnessed a shift in the mode of payment. Online transactions have become quite popular over cash or cheque transactions. And one of the most used apps to complete transactions is Google Pay.
Google Pay is a multifunctional app, it can be used to send and receive payments to contacts, bank accounts, and more. The list of google pay advantages also includes the facility to change your UPI pin in fewer steps. UPI pin is required to complete your transaction by Google Pay. So now whether you’ve forgotten your UPI PIN or want to update it for security reasons, this guide will walk you through the process of changing your UPI PIN.
The Unified Payments Interface (UPI) was launched in India on April 11, 2016, by the National Payments Corporation of India (NPCI), with the goal of simplifying digital payments. Developed to provide a seamless, real-time platform for money transfers, UPI allows users to transfer funds, pay bills, and make purchases using a mobile phone. The system allows users to link multiple bank accounts to a single ID and perform transactions 24/7. Over time, UPI has evolved with updates like UPI 2.0, which introduced new features like overdraft facilities and enhanced security.
UPI has transformed India's digital payment landscape, processing over 7 billion transactions monthly by 2023, with a total value exceeding ₹12 lakh crores. This growth highlights UPI's widespread adoption, particularly in rural areas. Apps like Google Pay and PhonePe have made UPI more accessible, with Google Pay reaching 67 million active users by 2020.
The role of UPI in Digital India has been transformative, propelling the nation towards a cashless economy and driving financial inclusion. With its seamless transactions, simplified payment experience, enhanced security, and interoperability, UPI has become a catalyst for the growth of digital payments. By leveraging UPI's advantages and harnessing its potential, India is poised to achieve greater financial empowerment and economic progress in the years to come.
A UPI PIN (Unified Payments Interface Personal Identification Number) is a 4-6 digit code used to authorize transactions on Google Pay and other UPI-based apps. This PIN is required for each transaction, whether you're transferring money, paying bills, or making any financial transactions through UPI
This PIN is required for each transaction, whether you're transferring money, paying bills, or making any financial transactions through UPI
The UPI PIN code is essential for securing digital transactions by blocking unauthorised payments. It ensures that even if someone accesses your UPI app, they cannot complete a transaction without the correct PIN. This provides convenience and peace of mind, allowing you to make instant payments securely and confidently
The UPI PIN is essential for authorizing any outgoing UPI transaction. Without the correct UPI PIN, a transaction cannot be completed.
Serving as a unique and confidential credential, the UPI PIN acts as a security barrier, preventing unauthorized individuals from misusing the UPI platform.
By requiring the entry of the UPI PIN for each transaction, users maintain control over their digital transactions, reducing the risk of unauthorized activities.
In conclusion, the UPI PIN is a pivotal component of UPI transactions, ensuring the security and integrity of digital fund transfers. Creating a robust and unique UPI PIN, regularly updating it, and understanding the reset process are crucial steps for users to navigate the UPI ecosystem confidently. As UPI continues to evolve and gain prominence, the UPI PIN remains a cornerstone of its security architecture, empowering users to embrace the convenience of digital payments with peace of mind.
Forgotten PIN: If you cannot remember your PIN, you’ll need to reset it. Security Concerns: Change your PIN periodically to safeguard against fraud. Account Updates: If you switch banks or link a new account, you may need to reset or update your PIN.
Read More:: IMPS vs UPI: A Complete Comparison of Digital Payment Solutions
Changing your UPI PIN in Google Pay is very easy. Just follow the next simple steps:
Step 1: Open Google Pay (GPay) on Your Phone
Open the Google Pay app from your smartphone. If not downloaded yet, it is on Google Play Store for Android or Apple App Store for iOS.
Step 2: Go to "Payment Methods"
Open the app and tap on the top-right profile icon. Select Payment Methods from the menu given. This page contains all your listed bank accounts.
Step 3: Choose a Bank Account
Now, tap the account whose UPI PIN you want to change. You will then be redirected to another page with other options about that particular account.
Step 4: Tap "Change UPI PIN"
You will have to look for an option that is termed as Change UPI PIN. Then you click it and start the process to change your PIN.
Step 5: Your Current UPI PIN
You have to enter your current UPI PIN. This is the same PIN you have been using for your account. It helps ensure that the changes can be done only through the owner.
Step 6: Set a New UPI PIN
Once authenticated with your existing PIN, you will be prompted for entry of a new UPI PIN. Try getting something that is easy to recall by you but at the same time reasonably safe. Avoid PINs like "1234" and "1111".
Step 7: Confirm the UPI New PIN
It shall now accept your new PIN in the form of a PIN code. Remember to reapply the same PIN code at Step 7 so that everything goes well.
Step 8: Done
After you confirm your new PIN as per the above procedure, from now on, this new PIN will be replaced at Google Pay as the new UPI PIN. Thereafter, you would be able to avail of the same for authenticating all your transaction-based activities here on Google Pay.
Read More:: How To Unblock UPI ID?
Sometimes if you forget your Google Pay UPI PIN. That is frustrating, but never a problem. In case you forget it, you can easily reset with the following steps:
Step 1: Open Google Pay
Open your mobile Google Pay application.
Step 2: Go to "Payment Methods"
From the right top corner click your profile icon, swipe left to open the menu, and click "payment methods"
Step 3: Click "Forgot UPI PIN"
If you forget the existing UPI PIN, then tap on the Forgot UPI PIN button and change your process will open before you.
Step 4: Select the Bank Account
Now Select that bank account via which you want to change the UPI PIN. Therefore you are able to easily change the PIN for that particular account.
Step 5: Self Verification
Now, Google Pay will ask for a small authentication for safety. What it does is by OTP—one-time password that has been sent to your registered number of mobile. Once you input OTP then you can proceed,
Step 6: New UPI PIN
After account verification, it asks for a new UPI PIN. Enter your proper 4-digit or 6-digit number Pin, which you don't forget.
Step 7: Confirm New PIN
You enter the new UPI PIN, and then you confirm it. Once confirmed, that PIN is activated for all further transactions that you are doing with this application.
It might be possible that you are also using the BHIM UPI application and you are tired of wondering how to change BHIM UPI PIN. Then you can check on our Gonukkad platform and follow the steps.
Read More:: Common Types of UPI Frauds in India and How to Avoid Them
If you already have your 6-digit UPI PIN, you would certainly want to have a 4-digit one on Google Pay. So when you go to change your UPI PIN, you could very well go ahead and change the PIN procedure whereby, instead of a 6-digit PIN, you're now supposed to put in another 4-digit one.
Your new 4-digit PIN should be safe and strong in such a way that cannot be guessed. A 4-digit PIN is not complex compared to a 6-digit PIN, yet it must be safe.
Read More:: How To Deactivate UPI ID?
Well now that you know how to change Google Pay UPI PIN, here are some highly important tips for you that will make your PIN very safe:
Choose Strong PIN: Never use a type of PIN like "1234" or "1111." Instead, use some random number so that nobody ever could guess it.
Never Share Your PIN: Never share the UPI PIN with anybody. Don't give it to them from Google Pay or Bank's representative. They never ask for your UPI PIN too.
Public WI-Fi: Always avoid such a transaction while connected to Public Wi-Fi Networks. Such Wi-Fi networks may be harmful too.
Allow Two-Factor Authentication: On enabling two-factor authentication available, raise the security level.
Update PIN Periodically: Periodical updation of your UPI PIN boosts your security. Try to change once every 3-6 months.
Read More:: How to Get Money Back From UPI Frauds?
UPI PIN is an essential part of making a transaction. There are numerous benefits when a user performs a Google Pay UPI PIN change. A few of these benefits are listed below.
1: While UPI has made money exchange easier compared to ever before, it has also increased cybercrime incidences. It is critical to alter your Google UPI PIN to avoid falling victim to such scams.
2: The process of transferring can be completed in a second.
3: Because no account information is shared, it is extremely safe.
4: Ensures that the transaction system is safe and secure.
5: It is appropriate for e-commerce platforms.
Read More:: How to create a UPI ID and UPI PIN?
Avoid Predictable Patterns: Use a random combination of numbers instead of easy-to-guess sequences like "1234" or "0000."
Keep It Confidential: Never share your UPI PIN with anyone, including friends, family, or representatives of Google Pay or your bank.
Memorize Your PIN: Write it down temporarily if needed but destroy the note once memorized.
Update Regularly: Changing your PIN periodically reduces the risk of unauthorized access.
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Google Pay will allow you to create up to 4 UPI IDs for each bank account you add. You can’t use UPI IDs created through other UPI apps or net banking portals on Google Pay. Once you sign in to Google Pay, a new VPA or UPI ID will be automatically generated for you.
The VPA or UPI ID generated through Google Pay will serve as the default ID on your account. You can either retain the desired ID and remove any other associated IDs. Also, to add a bank account to Google Pay, it has to support the UPI functionality.
UPI integrates several bank accounts into one mobile app and offers various banking features including seamless fund transfers and merchant payments.
You can update your UPI ID by obtaining two additional IDs from your bank. To update a bank account on Google Pay, you have to remove and re-adding it. However, incoming funds will be deposited into your primary account
Read More:: How to Do Offline UPI Payment
Error: “Incorrect UPI PIN”
Solution: Double-check the PIN you entered. If you’ve forgotten it, reset the PIN using the "Forgot UPI PIN" option.
Error: “Transaction Declined”
Solution: Ensure your account has sufficient funds and the bank servers are operational.
Error: “UPI PIN Change Failed”
Solution: Retry after some time. Confirm your mobile number is registered with the bank and has an active internet connection.
Enable App Lock: Use a PIN or biometric authentication to protect access to Google Pay.
Monitor Transactions: Regularly check your bank statements for unauthorized transactions.
Beware of Scams: Never share your PIN or OTP, even if someone claims to be a bank or Google Pay representative.
Read More:: What is UPI Reference Number?
Changing your UPI PIN on Google Pay is a simple yet vital process to maintain the security of your financial transactions. By following the steps outlined above, you can easily reset or update your PIN whenever required. Remember to implement best practices to keep your UPI PIN secure and avoid unauthorized access.
Can I change my UPI PIN if my registered mobile number is inactive?
No, you need an active registered mobile number to receive the OTP required for changing the UPI PIN.
Is there a limit to how often I can change my UPI PIN?
If you make 3 incorrect attempts to reset your UPI PIN, you’ll be blocked from your account for 24 hours on all UPI applications. You can reset your UPI PIN after 24 hours.
What happens if I enter the wrong PIN multiple times?
After several incorrect attempts, your UPI transactions might be temporarily blocked. Reset your PIN to regain access.
Can I use the same UPI PIN for multiple bank accounts?
No, each bank account linked to UPI requires a unique PIN.
Is my UPI PIN stored on Google Pay servers?
No, the UPI PIN is encrypted and stored securely by your bank
Do you need an ATM PIN to add a UPI PIN?
Yes, it’s required for some banks. For example, Citibank requires that you set your ATM PIN as your UPI PIN.
Attempts allowed per day to reset a PIN
You can try to reset your PIN up to 3 times every 24 hours.
If your UPI PIN is unchanged and you still have an issue
It’s possible that you set up a different UPI PIN on a third-party application outside of Google Pay. To reset your UPI PIN, follow the on-screen instructions. To complete your transactions on UPI, make sure to remember this PIN.
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