Google Pay: The Future of Digital Payments in India

The Google Pay service is an online payment system and a digital wallet developed by Google specifically for Indian users. Using their mobile devices, users can make payments, as well as store debit and credit card information so that they can make payments easily in the future. 

Users can use Google Pay to make online purchases, pay utility bills, or transfer money between Google Pay users. By taking advantage of the service, you can also earn rewards and cashback. Payments are quick and secure with this service.

Why Should I Use Google Pay?

There is a lot that you can do with Google Pay app, We are going to explain some of them in points below. The main reason that most of the users intend to download Google Pay is that you can transfer and receive money directly from your bank account using a mobile number registered with Google pay only. 

You don’t even need the receiver’s account number, IFSC code or bank branch details. Same applies when receiving money from someone, Just share your Gpay mobile number and boom you receive money in your bank account in no time.

Recently online transactions have surged in India, This is because of the demonetisation that has taken place in our country in recent years. As a result of that, our country has been fast shifting toward digital payments and moving toward cashless transactions.

There was a launch of Google Tez in India on 19 September 2017 in the presence of our Finance Minister Shri Arun Jaitley. This was also in the presence of Caesar Sengupta, Vice President of Next Billion Users. It is relevant to note that Google Tez has been renamed Google Pay as of 28 August 2018.

Google Pay is neither a wallet nor a payment bank, but rather a UPI-based app. Google Pay allows you to transfer money online to anyone at any time after you link your bank account.

  1. Sending and receiving payments is possible.
  2. It is possible to request money to be taken.
  3. It is possible to view the money transaction history.
  4. Get rewarded by sending money.
  5. For digital payments, you can choose the offer of your choice.
  6. Paying for Google Adwords is possible with Google Pay.
  7. With Google Pay, you can purchase any Google product.
  8. With Google Pay, you can pay electric and gas bills, water bills, DTH, and mobile bills as well.

Things to Know Before Creating a Google Pay Account

  • It is critical to remember that the phone number you use for a Google Pay account should be linked to your bank account.
  • You must have an active SIM with a balance. Google Pay will send an automatic message to verify your mobile number if it is linked to your bank account or not.
  • A fast internet connection on your phone will allow you to create an account without any problems. This is because Google Pay needs to be able to verify the mobile number linked to the bank account. This is because sending an automatic message is the most efficient way to do that. Additionally, a fast internet connection ensures that the process runs smoothly.
  • Download the Google Pay App from the Google Play Store because there is always an updated version of the app. This is so that you can take advantage of all the features and services. Google Play Store ensures that the app is constantly updated with the latest security patches and bug fixes to ensure that it runs smoothly and securely. It also provides access to new features and services that you may not have had access to before.

How Do I Use Google Pay? Here are the steps

Using Google Pay is very simple and you can do it by following the steps below.

Download Google Pay App

  • Download Google Pay: To use Google Pay, you must download the app on your phone. The link provided in the instructions will guide you on how to download the app for Android and Apple devices.
  • Setting up the screen lock on the phone: Google Pay is a payment application, so it is critical to have your phone locked for security reasons. You can set up a PIN, pattern lock, or finger sensor lock on your phone. Every time you open the Google Pay app, you will be prompted to enter the lock you have chosen.
  • Linking Your Bank Account to Google Pay: The final step is to link your bank account to Google Pay. You can do this by following the instructions provided in the app. This is necessary to make and receive payments using the app.

Note- If you are an army personnel then you must download the official Hamraaz app.

How to Signup for Google Pay

As soon as Google Pay is installed on the phone, you need to create an account on it. Before creating an account, –

It’s easy to create an account on it as long as you have an ATM card and a bank account linked to your mobile number. Furthermore, some special information will be provided to you here.

  1. Once you have opened the Google Pay app, you will be asked to enter your mobile number. Here you have to enter only that number which is linked to your bank account.
  2. After that you need to select the bank that you want to link to your Google Pay account.
  3. The next step is to click on the bank account section, and then click on Add bank account.
  4. Select your bank, then select the SIM card that is associated with your bank account, and then click the “Continue” button.
  5. A SMS will be sent to verify your selected bank’s mobile number, which you will be required to enter.
  6. You might also need to enter your debit card to verify your identity.
  7. After you have entered your debit card details, you will be prompted to create a secure 4 digit MPIN number to begin making payments with Google Pay.

Fun Fact: In the US, 44% of people use a debit card for everyday expenses such as groceries and gas, while 34% use credit cards.

How to Add Bank Account on Google Pay

Follow the below steps to add your bank account with Google Pay: –

  • First of all open the app
  • On the dashboard of the app click on your profile from the top right corner {Reference Image Below}
  • Google Pay download
  • You will see an option of Payment Methods click on that
  • Google Pay adding bank account
  • Click on Add Bank account or Add Credit/ Debit card
  • Select the Bank from the list
  • Select the correct number registered with that bank account
  • Wait for few seconds
  • Create MPIN
  • Now you are ready to make the payment.


In conclusion, Google Pay is a digital wallet and online payment system developed by Google specifically for Indian users. It allows users to make payments, store debit and credit card information, and make online purchases, pay bills and transfer money between Google Pay users. 

It is a UPI-based app and is quick and secure to use. To create an account, the phone number used must be linked to the user’s bank account and a fast internet connection is required. To use the app, it must be downloaded and an account must be created by linking the bank account and setting up a phone lock. It is a convenient and easy way to make digital payments.


Q1- What is Google Pay?

Ans- Google Pay is a digital wallet and online payment system developed by Google for Indian users.

Q2- How do I use Google Pay?

Ans- To use Google Pay, download the app, create an account, and link your bank account.

Q3- Is Google Pay available for both Android and iOS devices?

Ans- Yes, Google Pay is available for both Android and iOS devices.

Q4- Is Google Pay secure?

Ans- Yes, Google Pay uses multiple layers of security to ensure the safety of your transactions.

Q5- Can I earn rewards or cashback with Google Pay?

Ans- Yes, Google Pay users can earn rewards and cashback by using the service to make payments.

Leave a Comment