February 9, 2025 · 12 mins read
Santosh Kumar
Gpay UPI allows users to send and receive parents using a UPI or Unified Payments Interface. A UPI is a banking system that helps users make instant and easy payments using a mobile application between two parties.
To use Gpay UPI, users must hold a bank account that also works on UPI. They can utilize Gpay UPI to receive money and send money to anyone. The application they use doesn't matter in this case.
Gpay, as a platform, allows users to create a UPI ID on the application itself. The ID usually contains the user's name followed by the user's bank name.
Gpay allows users to create four UPI IDs for each bank account they add to Google Pay.
Read More:: How to Check CIBIL Score Without Mobile Number
Gpay or Google Pay is a payment platform that helps users make instant cash transactions to other bank accounts. How is Gpay useful for users is mentioned below:
Send and receive money: Gpay users with a UPI ID are enabled to send and receive money from anyone.
Online Shopping & In-store Shopping: Users can pay using Gpay and their ID to shop online and in stores via a QR Code.
Mobile Recharge: Users can recharge their mobile data via Gpay UPI ID by making payments through Gpay. They are offered good discounts and rewards for recharging mobile data.
Pay Bills: Users can pay electricity bills, rental Payments, mobile Recharges, and other bills through Gpay with a Gpay ID.
Earn Rewards: Rewards are offered to users on Gpay if users make transactions through Gpay ID.
Read More:: How to Do Offline UPI Payment
The UPI ID is an address that helps identify the user on UPI; Typically like yourname@bankname To find other users on Gpay to send money to, users can search for their phone numbers in the search bar on Gpay.
Users can ask mutual contacts for assistance if needed, add other users on Gpay, and send money to them.
Users can also ask other users for their UPI ID, which will typically look like 1234567890@xyz.open
Users can find themselves on the Gpay application and that is done by following the steps below.
1: Get into Google Pay
2: Tap on the photo that’s on the top right.
3: Click on the bank account.
4: Click on the bank account whose UPI ID you want to view.
5: Click on Manage UPI IDs
6: The user's UPI ID will be available under the user's Bank Account Details at the top of the page.
Read More:: What is UPI Reference Number?
People who hold a Gpay UPI ID on Gpay are allowed to delete one UPI ID and change it to another UPI ID. The steps to do that are the following:
1: Open Google Pay
2: Top on the top right, at the photo
3: Click on Bank Account.
4: Tap on the bank account whose UPI ID you want to view.
5: Click on Manage UPI IDs
6: Users can find their UPI IDs under their Bank Account details, which are visible at the top of the page.
7: Users can view “1/3 UPI Ids Added”; you can then click on the drop-down arrow.
8: Next to the UPI ID, users can delete it by tapping on the menu section.
9: Users can tap on “Create" if they want to change to create a new UPI ID or add a new One.
Users are permitted to easily delete their Gpay UPI ID on Gpay by following the steps below.
1: Open Google Pay
2: Tape on the top right where the user's photo is.
3: Tap on Bank Account under “Payment Methods”.
4: To delete a Gpay UPI ID, users can tap the bank account they want to delete.
5: To delete, users can click on the three dots available next to the UPI ID.
6: Click on Delete.
Read More:: How to Change UPI PIN in Google Pay
Gpay being an instant mode of payment in the country, and especially in top-tier cities of the country, safety can be a topic of discussion. However, Gpay has a few safety tips available on the app. Gpay states that users' information linked with UPI accounts is sensitive. Users are requested not to share it on social media or any public platform. Users are only requested to share such details with online businesses, shops, and online stores in order to make payments to those businesses, shops and online stores, which can be shared privately with the merchant.
To safeguard your UPI ID from fraud, users can follow some of the best ways mentioned below: Usage of Trusted UPI Apps: Scammers can request payments by showing "trusted" look-alike UPI IDs, which users must be aware of. Hence, users must only make payments to Trusted UPI platforms and IDs.
Set a Strong UPI Pin: Users are requested to set a strong UPI ID Pin. Pins are vulnerable to hacking, making it easier for hackers to access UPI accounts.
Keeping UPI PIN Private: The Gpay UPI PIN must be kept private and not shared with anybody. Nobody must have access to this PIN, as it is the key feature for accepting money transactions. Frauds are easily perpetrated as fraudsters know the UPI ID PIN.
Enable Two-Factor Authentication: A user can enable Two-Factor Authentication, where an OTP will be sent to the registered Mobile Number to create the UPI ID and confirm all transactions. This is one way for Gpay to Boost security while making UPI IDs and transactions.
Checking Transaction History Regularly: Users must check their transaction history regularly to ensure no malicious activities occur.
The risk of fraud is minimal when making transactions on Gpay with a Gpay UPI ID.
Read More:: How to Reset UPI PIN
Google Pay allows users to utilize Gpay internationally in other countries. There are a few steps to follow in order to Turn On the Gpay UPI international on their Gpay App, and they are as follows:
1: Get into the Google Pay App.
2: Tap on Scan QR Code
3: Users can then Scan the Shop's QR Code.
4: Enter the amount owed in the appropriate currency.
5: Select the Bank Account that needs to be paid from.
6: Tap in Activate UPI International.
To turn the Gpay UPI International OFF, users are required to follow the steps mentioned below:
1: Open Google Pay
2: Go to the User Profile
3: Tap on “Payments Method” and select the bank account linked to UPI International.
4: Click on Manage International Payments
5: Select Deactivate
6: To deactivate or Turn it Off, users are required to enter the UPI ID PIN.
Read More:: How to Reset UPI PIN on PhonePe
Supported Banks On Gpay
Gpay allows users to link their Bank Accounts to UPI, also known as Unified Payments Interface and also allows its users to add multiple bank accounts to Google Pay Supported Banks are:
1: RBL Bank
2: SBI Cards and Payments Services
3: SBM Bank (India) Ltd.
4: South Indian Bank
5: HDFC
6: Federal Bank
7: FINO Payments Bank
8: Axis
9: GP Parsik Bank
10: ICICI
In any case, if a user's bank is not mentioned in the above list, they can contact them for more information. Users can contact their bank via DigiSaathi to share the complaint of “No Bank Account Found."
Read More:: How Is Digital Rupee Different From UPI?
Google Pay does not restrict its users from linking Bank Accounts to Gpay strictly with debit or credit cards. Users can also use their Aadhaar card to link their Bank Account to Google Pay UPI. Users can make this happen by following the steps mentioned below:
1: Open Google Pay
2: Tap on the photo available on the screen's top right corner.
3: Select the respective Bank account.
4: Tap on “Add Bank Account” and select the respective bank account.
5: Select the amount that needs to be added to the transfer.
6: Users can enter the first six digits of the user's Aadhaar Card number.
7: On-Screen instructions will be available on the screen for users to follow.
A few points to remember when linking your Bank account to Google Pay UPI via Aadhar Card are:
1: The user's Mobile contact number, which is linked to the Bank Account, must be linked to the user's Aadhaar Card, which will be used to access the Bank Account and Google Pay UPI.
2: Users must contact their bank if the option to "Reset Your UPI PIN” is not found. If, in any case, users are unable to find their Bank on the list, this might not work with Google Pay.
3: Users can also try contacting their bank to learn more information via DigiSaathi.
Users can also reset their Google Pay UPI PIN without a Debit Card or Credit Card. An Aadhaar Card is the solution if, in any case, the user does not have their Debit Card to reset or link the Bank account to Google Pay UPI.
1: Open the Google Pay Application
2: Click on the Photo icon ok the top right corner of the screen
3: Select the Option “Bank Account”
4: Opt for the respective Bank account that is required to be edited.
5: Click on “Forgot PIN” and follow the on-screen instructions.
6: To verify their Bank Account, users can use their Aadhaar Card.
7: Users can then select a new UPI PIN and confirm it.
By any chance if users are noticed entering the Google Pay UPI PIN more than three times, users will be locked out of transactions for the next 24 hours. In order to regain access to the Google Pay UPI, users need to reset their UPI PIN.
Read More:: How To Change Upi Id In Paytm
Google Pay is a successful payments platform in India, following its one and only motive of helping citizens make instant and easy money transactions to online stores, offline stores, and merchants. Google Pay UPI is a UPI ID Google Pay users can create on the app to make payments to other bank accounts with ease and speed.
To change, create, and delete the Google Pay UPI ID and UPI PIN, users can follow onscreen instructions by tapping on the top right corner, which portrays the user's profile photo. Users can find their own UPI ID and make changes on the Google Pay Application, along with adding multiple bank accounts and using it to make payments on the app to other bank accounts. Google Pay issues a few guidelines to ensure safety and security. Users are not advised to share their Google Pay UPI PIN with anybody as it contains sensitive information. Users of Google Pay should not share any OTPs with anybody, and users must check the UPI IDs before transferring any sum amount of money as UPI PINS and IDs can be faked and are vulnerable to hacking.
The process of creating a UPI ID on Google Pay is absolutely free, and Google Pay does not ask for money to create, change, or Delete an account.
Deleting Google Pay UPI ID can be done on the Google App by going to the Google Pay App, selecting the Bank account the user is using and that is linked to the UPI ID. User can then follow the on-screen instructions and delete or change their Google Pay UPI ID.
Users can now link their Bank Account to Google Pay UPI via Aadhaar Cards if they do not have their Debit card. This process can also be done on the Gpay application by clicking on the top right corner of the screen, which portrays the user's profile picture.
Q1. What happens if the Google Pay UPI ID is deleted?
Ans: If the Google Pay UPI ID is deleted, you can no longer make money transactions through the UPI Platform.
Q2. Can I Delete my Google Pay UPI ID?
Ans: Yes, you can delete your Google Pay UPI ID by going to the Google Pay Application and clicking on the top right corner of the screen. Then, select the bank account linked to the user's contact number and the user's UPI ID to delete the account. The user is required to enter the UPI PIN to delete the account.
Q3. Can I still use Google Pay if my UPI is deleted?
Ans: Yes. You can still use Google Pay even if you don't have a UPI account, as UPI will no longer be associated with your account.
Q4. Can I change my Google Pay UPI PIN with anybody's debit card?
Ans: Users can change their Google Pay UPI PIN on Google Pay via an Aadhaar card by going to the payment method section of the UPI App and selecting Aadhaar-based authentication.
Q5. Can I set my Google Pay UPI PIN without a Debit card and Aadhaar Card?
Ans: No. Users are unable to set up a Google Pay UPI PIN without a Debit card or their Aadhaar Card. At least one of them needs to be present in order to set up the Google Pay UPI PIN AND ID.
Q6. What is an example of the Google Pay UPI ID?
Ans: The correct example of the Google Pay UPI ID is the following format: “name@youbankname”
Q7. What happens if I forget my Google Pay UPI PIN?
Ans: If the Google Pay UPI PIN is ever forgotten, it can be reset using the UPI-enabled app linked to the Bank Account. The UPI PIN can also be reset on Google Pay.
Download the app now
Download the app from PlayStore
