Intro:- 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 a PIN, passcode, or biometrics such as 3D face scanning or fingerprint recognition. As of 2023, it is currently available in 62 countries.
Initial release date: September 19, 2011, Developer: Google, Operating system: Android 5 or later; Wear OS 2 or later; Fitbit OS on Versa 4 or Sense 2
About:- Google 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.
Google Pay, If you are reading this article that means you want to know about GPay, right? But, you don’t have any idea how or where to know all about that. If you are looking for an easy guide on Google Pay then you are at the right place. In this article, I will share the proper guide on Google Pay. Even if you are a beginner is no worry about it. The steps below info are for both Beginners & Experts.
But before beginning to start an article, there are some major that should know, like(FAQs)
- How do I use Google Pay?
- Is Google Pay free?
- What banks work with Google Pay?
- How do I activate Google Pay?
- How do I link my bank account to Google Pay?
- Can Google Pay be used without a bank account?
- Is an ATM card required for Google Pay?
- How do I withdraw money from Google Pay?
- Is an ATM PIN required for Google Pay?
- What is the limit of Google Pay?
- What is GPay limit per day?
- Is Google Pay Safe?
- How do I link my ATM card to Google Pay?
- How do I link my bank account to Google Pay without ATM?
- Which ATM supports Google Pay?
- Is Google Pay accepted anywhere?
- Is Google Pay mobile banking?
- Can we link 2 bank accounts in Google Pay?
- Can we take money from an ATM using GPay?
Let's Find Out. ...
1. How do I use Google Pay?
Send or Request Money
To send someone money from the Android or iOS app, go to the Pay screen and tap the link for Find people to pay. Grant Google Pay access to your contacts and then invite or select the person you wish to pay. Tap the Pay button and enter the amount. You can also add a note to the transaction.
2. Is Google Pay free?
Pay with Google Pay for free: Google Pay is free for customers to use to pay for goods and services in stores and online. Easily set up and use Google Pay: Google Pay is easy for customers to set up and use to securely pay with any bank account stored in their Google Pay account.
3. What banks work with Google Pay?
The US. Google Wallet works with your credit and debit cards from the following US financial institutions: American Express, Discover, MasterCard, and Visa. These cards are issued by the following US banks and credit unions: Bank of America, Capitol One, Chase, Citi, Discover, PNC, US Bank, Wells Fargo, and more.
4. How do I activate Google Pay?
Get the Google Pay app
- Download Google Pay on phones running Android 5.0 (Lollipop) or higher.
- Enter your phone number.
- Sign in with your Google Account.
- Follow the instructions to secure your Google Pay app and add a bank account. You can also add a debit or credit card. Fix problems verifying your phone number.
5. How do I link my bank account to Google Pay?
6. Can Google Pay be used without bank account?
You can use Google Pay to send money to friends and family in India using your mobile device. You’ll need an internet connection, an Indian bank account, and an Indian phone number.
7. Is an ATM card required for Google Pay?
It is not possible to link a bank account in Google Pay without a debit card. You need an active debit card linked to your bank account to set up and use Google Pay.
8. How do I withdraw money from Google Pay?
Transfer money out of Google Pay (US only)
- Open the Google Pay app.
- On the top right of the home screen, tap your profile icon.
- Below your profile and tap Google Pay balance.
- Tap Transfer out.
- Enter the amount you want to transfer.
- Tap Next.
- Choose a payment method. …
- Tap Transfer out.
9. Is an ATM PIN required for Google Pay?
You’ll be asked to set a UPI PIN when you first add a bank account. If you already have a UPI PIN for your bank account, you can use the same UPI PIN on Google Pay. You can also change your UPI PIN using Google Pay.
10. What is the limit of Google Pay?
Daily limits
You may reach a daily limit if: You try to send more than ₹ 1,00,000 in one day across all UPI apps. You try to send money more than 10 times in one day across all UPI apps. You request more than ₹ 2,000 from someone.
11. What is GPay limit per day?
₹ 1,00,000
The GPay transfer limit per day is ₹1,00,000. Although, this is the transaction limit of Google Pay in a day, however, you are allowed to send more funds after 24 hours have passed. Moreover, you can only send money a maximum of 10 times in GPay or any other UPI app.
12. Is Google Pay Safe?
How safe is Google Pay? Google Pay protects your payment info with multiple layers of security, using one of the world’s most advanced security infrastructures to help keep your account safe. When you pay in stores, Google Pay doesn’t share your actual card number, so your information stays secure.
13. How do I link my ATM card to Google Pay?
Add cards to Google Pay
- On your mobile device, open Google Pay.
- Tap on your Profile Picture Bank Accounts and Cards. …
- Enter the card number, expiry date, CVV, and the cardholder’s name and billing address.
- Tap Save. …
- Next to your new card’s payment method listing, tap Activate.
- Enter your one-time password.
14. How do I link my bank account to Google Pay without ATM?
How to add a bank account on Google Pay
- Open Google Pay.
- At the top right, tap your Profile picture. Bank account.
- Tap Add bank account.
- Choose your bank from the list. If you don’t find your bank, it doesn’t work with Google Pay.
15. Which ATM supports Google Pay?
Google Pay cardless ATMs. Google Pay works the same as Apple Pay. Withdraw money at any ATM that has the contactless symbol.
16. Is Google Pay accepted anywhere?
Google Pay is accepted in more places than you think. Millions, in fact. It works in select supermarkets, pharmacies, restaurants, clothing stores, gas stations, beauty shops, and other retailers that accept mobile payments. See a list of major stores that accept Google Pay.
17. Is Google Pay mobile banking?
It is basically a digital payment app that helps you get up and running in no time. Previously this app was known as Google Tez. Through this Google app, you can simply send and receive money to anyone using a mobile.
18. Can we link 2 bank accounts in Google Pay?
In that case, you can add a secondary bank account. Google Pay does not require any KYC to be done. It also doesn’t require transferring money between bank accounts and wallets The app even allows you to add multiple bank accounts. You must own a Debit/Credit card from a bank that supports BHIM UPI.
19. Can we take money from an ATM using GPay?
To withdraw money from the ATM, first, you have to open any UPI app (GPay, BHIM, Paytm, Phonepe, Amazon) on the smartphone. After this, the QR code shown on the ATM screen will have to be scanned.
20. These countries are using GPay?
- Australia
- Belgium
- Brazil
- Canada
- Chile
- Croatia
- Czech Republic
- Denmark
- Finland
- France
- Germany
- Hong Kong
- India
- Ireland
- Italy
- Japan
- New Zealand
- Norway
- Poland
- Russia
- Singapore
- Slovakia
- Spain
- Sweden
- Switzerland
- Taiwan
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
- Nepal
Let's Explore. ...
Service
Google Pay uses near-field communication (NFC) to transmit card information facilitating funds transfer to the retailer. It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in Google Wallet. It is similar to contactless payments already used in many countries, with the addition of two-factor authentication. The service lets Android devices wirelessly communicate with point-of-sale systems using a near communication (NFC) antenna and host-based card emulation (HCE).
When the user makes a payment to a merchant, Google Pay does not send the actual payment card number. Instead, it generates a virtual account number representing the user’s account information. Google Pay requires that a screen lock be set on the phone or watch. It has no card limit.
Users can add payment cards to the service by taking a photo of the card, or by entering the card information manually. To pay at points of sale, users can add payment cards to the service by taking a photo of the card, or by entering the card information manually. To pay at points of sale, users hold their authenticated device to the point of sale system. The service has smart authentication, allowing the system to detect when the device is considered secure (for instance if unlocked in the last five minutes) and challenge if unlock information.
Technology
Google Pay uses the EMV Payment Tokenization Specification. The service keeps the customer’s credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN) and creates a “dynamic security code […] generated for each transaction”. The “dynamic security code” is the cryptogram in an EMV-mode transaction and the Dynamic Card Verification Value (dCVV) in a magnetic-stripe-data emulation-mode transaction. Users can also remotely halt the service on a lost phone via Google’s Find My Device service.
To pay at points of sale, users hold their authenticated Android device to the point-of-sale system’s NFC reader. Android users authenticate by unlocking their phone by using biometrics, a pattern, or a passcode, whereas Wear OS users authenticate by opening the Google Wallet app prior to payment.
Consumer Device Cardholder Verification Method (CDCVM)
In EMV-mode transactions, Google Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using biometrics, pattern, or the device’s passcode. The use of CDCVM allows the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a “no verification limit” using contactless cards, the use of CDCVM can enable merchants to accept transactions higher than these amounts using Google Pay, provided that their terminal software is updated to support the latest network contactless specifications.
Security
In most regions, Google Pay on Android permits the issuing bank to determine whether to allow its payment cards to be able to transmit when the mobile device is locked under a certain monetary amount. Issuers in Brazil, Ecuador, Mexico, and the United States of America cannot allow locked-device payments except for select transit transactions. On Wear OS, this option is not available. All transactions for all amounts on wearable devices must be authenticated by opening the Wallet app prior to tapping.
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Authored By The Er. Pramod Adhikari!
The Blogger, Author & CEO’s The Infinity Company! B.Tech in CSE (Computer Science & Engineering) From Sambhram College, Bengaluru-560097, Worldwide as Software(Web/App) Developer!