Google Pay (formerly Android Pay) is a mobile payment service
developed by Google to power in-app, online, and in-person contactless
purchases on mobile devices, enabling users to make payments with Android
phones, tablets, or watches. Users can authenticate via PIN, passcode, or
biometrics such as 3D face scanning or fingerprint recognition.
As of 2023, it is currently available in 71 countries.
Pay and receive money instantly using your existing bank
accounts. No more reloading mobile wallet balances or withdrawal fees. It’s
your money, made simple.
Unified Payment Interface (UPI) is an instant
payment system that helps when you transfer funds between 2 parties through a
mobile platform. To add a bank account to Google Pay, your bank should work
Why you need a
As a UPI user, you have to create a unique
identifier called UPI ID, which is associated with your bank account. This
makes it easier to send and receive money instantly on your bank account. You
don’t have to share your account number or other details.
With Google Pay, your UPI ID is generated through
payment service provider banks, like:
routing with extra UPI IDs works?
Transactions may take longer or fail because of
issues with UPI payment servers. An additional UPI ID improves your payment
success rate because it routes your transaction through the server which will
ensure a successful payment.
For example, let’s say that you need to get to the
office from home in your car, and there are four different routes that you can
take. Your usual route is blocked due to severe traffic congestion, so you pick
any of the other three available routes.
Additional UPI IDs with different banks provide
different routes to make transactions. If any of the UPI ID routes aren't
available, Google Pay will choose another route for your payment, to ensure
that you have a smooth payment experience.
To create a new UPI ID, go to Payment
methods >Select bank
account >Manage UPI
Tip: To activate UPI IDs,
Google Pay sends an SMS on your behalf to partner banks. Standard SMS charges
Reactivate a bank
account after you log into Google Pay
If you log out of Google Pay, your bank accounts
become inactive. Once you log back in, you’ll be notified to reactivate your
Any extra UPI IDs that you created before will be
If you didn't have extra UPI IDs before, you have
the option to add one or more for a better payment success rate. This is
optional and you can continue to use Google Pay with your original UPI ID.
Changes in how
payments are made
There are no changes. You’ll still transact from
your bank account as usual. If you have extra UPI IDs, your transaction can be
routed through an alternative UPI ID if there are unavailable payment routes.
1. What’s the difference between a UPI ID & a bank account?
A UPI ID is an identifier of your bank account that
allows you to send and receive money directly from your bank account.
2. If I have a bank account with SBI, why does my UPI ID end with
In this scenario, HDFC is the payment service provider bank that allows
you to plug into the UPI ecosystem to send and receive money. If your bank
account is with SBI, your UPI ID can end with @oksbi, @okhdfcbank, @okaxis or
@okicici. You can continue to send and receive money through your SBI bank
3. If I create multiple UPI IDs, where will my money go?
Your transactions are routed through the UPI ID that’s available for UPI
payments at that time. If a payment fails because of these issues, we’ll
automatically route it through any additional UPI IDs that you’ve created.
4. Will I be charged when I create a new UPI ID?
If you register a new UPI ID,
you’ll need to send an SMS to the payment service provider bank.
Android devices, this happens in the background.
iOS devices, tap Send.
For each UPI ID that you
register, you’ll be charged the standard SMS rates.
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