Find everything you need to know before you download Google Pay India app (Tez) to your Android or iPhone so you can send money and pay bills with your Indian bank’s credit/debit cards.

The way we shop at retail stores, make payment for upcoming expiring bills or top-up phone airtimes has evolved; unlike the traditional system of internet transactions where you would have to punch your credit or credit card information insecurely, wait for payment processor to validate transactions before accepting payment, you can now have your personal cards on one Google platform, then use the Google pay app send money, store tickets and pay on sites/in apps. Thanks to the mobile banking app.

Google Pay India, formerly known as Tez, is Google’s digital payment app that is built with multiple layers of security to make it easy for anyone to use their card without exposing their card number or CVC code to authorized users.

As of my last check on Play Store, the app has over 100 million + downloads which are reflective of its wide acceptance in the UK, US, India, Germany, etc.

What you should know about Google Pay App

Google Pay app is designed to offer seamless payment experience as it lets you:

• Pay and receive cash straight from your local bank account

One of the interesting features of Google Pay is that it is directly linked to the savings or current account you operate with a bank account, which means you really don’t have to worry about the safety of your money since it’s still in a personal account. Besides, there is no need to move cash to your any wallets or go for KYC. Whenever you want to make a payment or receive money, the app provides a perfect replacement for your traditional credit card.

Google Pay uses NPCI’s (National Payments Corporation of India) BHIM Unified Payments Interface (BHIM UPI), a standard payment infrastructure for all banks in India to process money transfers securely, so you don’t have to bother about the success or failure of every transaction. Every potential user of the app must have an Indian bank account with a phone number linked to it before they use the latest version of the app.

Just like the MasterCard or Visa payment is accepted on stores worldwide, anywhere you see BHIM UPI is accepted, look for the Google Pay unique logo or use your Google Pay UPI ID to check out easily.

• Pay anyone, Even those without Google Pay

  If you have just concluded business with a partner and need to pay them on the go, Google Pay lets you initiate a payment easily, this is as simple as starting new conversations with someone on your contact, but for a non-user, you can enter his/her UPI ID or bank details. Even if you leave your wallet at home, be rest assured that you will not be stranded when you need to pay someone with speed.

• Conveniently pay bills

Utilities are services we can’t do without as they make our everyday life better. This is the reason you can’t afford to miss upcoming bills when they fall due. Google Pay app also lets you pay for electricity, gas, water, and more. All you need to do is link your biller accounts once and you would never have to do it again, the rest they say is history; Google Pay works with billers across India.

•  Enjoy multiple layers of security from your bank, UPI, and Google

  Nothing assures one of security of transactions that the technology infrastructure upon a card is built. This is another reason Google Pay has attracted over 100 million + downloads, the app protects you with a world-class security system that helps detect fraud and prevent hacking faster. The way it works is that each of the transactions carried out is secured with your UPI PIN, and you can opt to safeguard your account, via customer support centre, with a device lock method such as your fingerprint.

• Transfer money to anyone nearby

  Google pay also lets you use Tez Mode to send money with speed and security to friends and family nearby without sharing private number or sensitive information.

• Get rewarded

  It’s not about spendings, you can also get a reward for your activities on the Google Pay app. With Google Pay Scratch Cards (TM), you are automatically pre-qualified to win up to ₹1,000 with each eligible transaction. If you win, your cash reward goes straight into your bank account.

List of Bank Card Allowed on Google Pay App

The payment app allows you to add payment cards of hundreds of several local banks and payment provider in India. Among these are:

Sr. No.	Bank Name	Type	Application Name
1	Airtel Payments Bank	PSP & Issuer	My Airtel -Online recharge, Pay Bill , Wallet, UPI
2	Allahabad Bank	PSP & Issuer	BHIM Allbank UPI
3	Andhra Bank	PSP & Issuer	Bhim Andhra Bank One- UPI App
4	Axis Bank	PSP & Issuer	BHIM Axis Pay UPI App and Freecharge
5	Bank of Baroda	PSP & Issuer	BHIM Baroda PAY
6	Bank Of India	PSP & Issuer	BHIM BOI  UPI
7	Bank of Maharashtra	PSP & Issuer	BHIM Maha UPI
8	Canara Bank	PSP & Issuer	BHIM Canara- eMPower
9	Catholic Syrian Bank	PSP & Issuer	CSB UPI
10	Central Bank of India	PSP & Issuer	BHIM Cent UPI
11	City Union Bank	PSP & Issuer	City Union Bank UPI
12	DBS Digibank	PSP & Issuer	Digibank
13	DCB Bank	PSP & Issuer	BHIM DCB Bank UPI
14	Dena Bank	PSP & Issuer	BHIM Dena UPI
15	Equitas Small Finance Bank	PSP & Issuer	Equitas UPI
16	Federal Bank	PSP & Issuer	BHIM LOTZA UPI Payments APP
17	Fino Payment Bank	PSP & Issuer	Fino Bpay
18	HDFC Bank	PSP & Issuer	HDFC Bank Mobile banking and PayZapp
19	HSBC	PSP & Issuer	HSBC Simple Pay
20	ICICI Bank	PSP & Issuer	iMobile By ICICI Bank and Pockets
21	IDBI Bank	PSP & Issuer	BHIM PAyWIZ by IDBI Bank
22	IDFC First Bank	PSP & Issuer	IDFC Bank BHIM UPI App
23	Indian Bank	PSP & Issuer	BHIM Indian Bank UPI
24	Indian Overseas Bank	PSP & Issuer	BHIM IOB UPI
25	IndusInd Bank	PSP & Issuer	BHIM Indus Pay
26	Jammu and Kashmir Bank	PSP & Issuer	BHIM JK Bank UPI
27	Janta Sahakari Bank Pune	PSP & Issuer	JetPay
28	Karnataka Bank	PSP & Issuer	BHIM KBL UPI
29	Karur Vysya Bank	PSP & Issuer	BHIM KVB Pay
30	Kotak Mahindra Bank	PSP & Issuer	BHIM KOTAK Pay
31	Oriental Bank of Commerce	PSP & Issuer	BHIM Oriental Pay
32	Paytm Payments Bank	PSP & Issuer	Paytm App
33	Punjab & Sind Bank	PSP & Issuer	BHIM PSB
34	Punjab National Bank	PSP & Issuer	BHIM PNB
35	South Indian Bank	PSP & Issuer	BHIM SIB UPI
36	Standard Chartered Bank	PSP & Issuer	SC UPI
37	State Bank of India	PSP & Issuer	BHIM SBI Pay
38	Syndicate Bank	PSP & Issuer	BHIM SyndUPI
39	The Lakshmi Vilas Bank Limited	PSP & Issuer	BHIM LVB UPAAY
40	The Ratnakar Bank Limited	PSP & Issuer
41	The Thane Janta Sahakari Bank Ltd(TJSB)	PSP & Issuer	Tranzapp –UPI
42	UCO Bank	PSP & Issuer	BHIM UCO UPI
43	Union Bank of India	PSP & Issuer	BHIM Union Bank UPI App
44	United Bank of India	PSP & Issuer	BHIM United UPI Pay
45	Vijaya Bank	PSP & Issuer	BHIM Vijaya UPI App
46	Yes Bank	PSP & Issuer	BHIM YES Pay
47	Bandhan Bank	PSP & Issuer	BHIM Bandhan UPI
48	Dhanlaxmi Bank Ltd	PSP & Issuer	BHIM DLB
49	ESAF Small Finance Bank	Issuer
50	Andhra Pragathi Grameena Bank	Issuer
51	Andhra Pragati Grameena Vikas Bank	Issuer
52	Apna Sahakari Bank	Issuer
53	Assam Gramin VIkash Bank	Issuer
54	Baroda Gujarat Gramin Bank	Issuer
55	Baroda Rajasthan Khetriya Gramin Bank	Issuer
56	Baroda Uttar Pradesh Gramin Bank	Issuer
57	Bassein Catholic Coop Bank	Issuer
58	Chaitanya Godavari Grameena Bank	Issuer
59	Chhattisgarh Rajya Gramin Bank	Issuer
60	Citibank Retail	Issuer
61	Corporation Bank	Issuer
62	Dena Gujarat Gramin Bank	Issuer
63	Dombivali Nagrik Sahakari Bank	Issuer
64	G P Parsik Bank	Issuer
65	Jalgaona Janata Sahkari Bank	Issuer
66	Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.	Issuer
67	Karnataka vikas Gramin Bank	Issuer
68	Kashi Gomti Samyut Gramin Bank	Issuer
69	Karnataka Gramin Bank	Issuer
70	Kerala Gramin Bank	Issuer
71	Maharashtra Grameen Bank	Issuer
72	Manipur Rural Bank	Issuer
73	Meghalaya Rural Bank	Issuer
74	Mizoram Rural Bank	Issuer
75	NKGSB	Issuer
76	Pragathi Krishna Gramin Bank	Issuer
77	Prathama Bank	Issuer
78	Punjab and Maharastra Co. bank	Issuer
79	Purvanchal Bank	Issuer
80	Rajasthan Marudhara Gramin Bank	Issuer
81	Rajkot Nagari Sahakari Bank Ltd	Issuer
82	Samruddhi Co-op bank ltd	Issuer
83	Saurashtra Gramin Bank	Issuer
84	Surat People Cooperative Bank	Issuer
85	Sutex Co operative Bank	Issuer
86	SVC Coperative Bank	Issuer
87	Tamilnad Mercantile Bank	Issuer
88	Telangana Gramin Bank	Issuer
89	Thane Bharat Sahakari Bank	Issuer
90	The  Cosmos Co-Operative Bank LTD	Issuer
91	The Gujarat State Co-operative Bank Limited	Issuer
92	The Hasti Co-operative Bank Ltd	Issuer
93	The Kalyan Janta Sahkari Bank	Issuer
94	The Mahanagar Co-Op. Bank Ltd	Issuer
95	The Mehsana Urban Co-Operative Bank	Issuer
96	The Saraswat Co-Operative Bank	Issuer
97	The Urban Cooperative Bank Ltd Dharangaon	Issuer
98	The Varachha Co-op Bank Ltd.	Issuer
99	The Vishweshwar Sahakari Bank Ltd	Issuer
100	Tripura Gramin Bank	Issuer
101	Ujjivan Small Finance Bank Limited	Issuer
102	Uttarakhand Gramin Bank	Issuer
103	Vananchal Gramin Bank	Issuer
104	Vasai Vikas Co-op Bank Ltd	Issuer
105	Suco Souharda Sahakari bank	Issuer
106	Sarva Haryana Gramin Bank	Issuer
107	Deutsche Bank AG (Web Collect)	Issuer
108	Telangana State Co Operative Apex Bank	Issuer
109	India Post Payment Bank	Issuer
110	The Andhra Pradesh state cooperative	Issuer
111	Maharashtra state co opp Bank	Issuer
112	Paschim Banga Gramin Bank	Issuer
113	Jana Small Finance Bank	Issuer
114	Suvarnayug Sahakari Bank Ltd	Issuer
115	Bhilwara Urban Co-operative Bank Ltd	Issuer
116	The Udaipur Mahila Urban Co-op Bank Ltd	Issuer
117	Jio Payments Bank	Issuer
118	A. P Mahesh Bank	Issuer
119	Maratha Cooprative Bank Ltd	Issuer
120	The Vijay Co-operative Bank Ltd, Ahmedabad	Issuer
121	The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.	Issuer
122	Sarva UP Gramin Bank	Issuer
123	The Muslim Co-operative Bank Ltd.	Issuer
124	Hutatma Sahakari Bank Ltd	Issuer
125	Punjab Gramin Bank	Issuer
126	Himachal Pradesh Gramin Bank	Issuer
127	Ahmedabad Mercanatile Co-op Bank	Issuer
128	Nanital Bank Ltd	Issuer
129	Abhyudaya Co-op Bank	Issuer
130	The Ahmedabad District Coop bank	Issuer
131	Costal Local Area Bank Ltd	Issuer
132	Madhya Bihar Gramin Bank	Issuer
133	Adarsh Cooperative Bank Ltd	Issuer
134	Suryoday Small Finance Bank Ltd	Issuer
135	Shree Kadi Nagarik Sahakari Bank Ltd	Issuer
136	J & K Grameen Bank	Issuer
137	The Municipal Co-op Bank	Issuer
138	Malad Sahakari Bank	Issuer
139	Baroda Central Co-operative Bank	Issuer
140	Fincare Small Finance Bank	Issuer
141	AU Small Finance Bank	Issuer

 

You can download the Google Pay India app from your Android & iPhone

• After the app installs, open it and sign in with your Google account.
• Open the Google Pay India app and follow the setup instructions.
• To make purchases in stores, make app the default payment app in your phone’s settings.