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GOOGLE PAY:
Introduction to GOOGLE PAY

Google Pay is a simple and secure way to manage your money. You can use the
Google Pay app to do things like,
​ Make contactless payments.
​ Buy items online or in apps.
​ Send money to friends and family.
​ Make group payments and split bills.
​ Pay for transit.
​ Earn rewards for eligible transactions and referrals.
​ Get insights about your money and transactions.
​ Find offers from your favorite merchants.
​ Get quick access to your digital wallet.

Eight main options in Google pay:

1. Scan any QR code:

Open Google Pay . In the top right, tap your avatar. Open code scanner. Scan a
Spot Code and follow the on-screen instructions for completing a transaction.

2. Pay contacts:
● iOpen the Google Pay app.
● Swipe up from the bottom of the screen and tap on
'New'
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You can select the person to whom you want to send money from your contacts.

● If you don't have the person's number, you can search for them via UPI ID,
name, phone number, and account number.

● Select the contact and tap on the 'Pay' button.

● Enter the amount and the reason for the payment.

● Tap 'Proceed'.

● Enter your UPI PIN.

● You will get a notification after the amount has been sent.

3.pay phone number:

1. Open the Google Pay app .

2. On the Pay screen , at the top right, tap your Profile picture or Account

3. Tap Settings Privacy and Security How people find you on Google Pay.
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4. For people to find you, select All

​ If a person is in your device contacts, you can search with their name.

​ If a person isn’t in your device contacts, you can search with their email address
or phone number.

4. Bank transfer:

1.Log into the Google Pay app

2. Tap your profile icon and then the Google Pay balance icon

3.Tap Transfer out and enter the amount you want to transfer.

4. Tap Next and add your preferred payment method.

5. Tap Transfer out.

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6. Pay UPI ID or Number:

1.Open the Google Pay App on your phone

2. Tap on the 'Bank Transfer' button at the top

3.Enter the required details like account number, IFSC Code, name of
the recipient

4. Tap the 'Continue' button and enter the amount.

5. Tap the 'Pay' button and enter your UPI PIN, and it's done.

7.Self transfer:

Step 1: Open the Google Pay app.

Step 2: Click on the self-transfer feature among the list of services

offered by GPay.

TryStep 3: Now, select two different bank accounts within which you
want to transfer money.

Step 4: Enter the value of the transaction and proceed to pay.

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Money will now be transferred to the your self account,

8. Pay bills:

1. Open Google Pay .

2. From the bottom of the screen, slide up.
3. Tap New type in the name of a biller.
4. From the search results, tap the name of the biller Link account.
5. Follow the instructions on the screen.
​ If you're asked to enter your Customer ID, you can find it on your physical
bill or e-bill.
​ If you link a biller, you don’t need to link it again for next transactions.

9.mobile recharge:
1. Open Google Pay App

2. Tap On Recharge Option Under Business And Bills

3. Enter The Mobile Number You Want To Recharge
4. Tap On Continue
5. Select The Plan You Want To Go For.
6. Click On Proceed To Pay After You Tap On The Plan You Want And
Your Mobile Will Be Recharged
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Steps to install Google pay:

1. Open the Google Pay app:

To open the Google pay app. Go to play store and install the app

2. Enter your number:

Enter your phone number which your account have that

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3.Sign in with your Google account:

Download Google pay on phone running Android version. Enter phone

number.sign in with your Google account. Follow the instructions to secure

Google account.

4. Follow the instructions to secure your account and add bank account.you
can also add debit card fix your problem and follow the conditions

About UPI and it's working mechanisms

UPI payment stands for Unified Payments Interface. It is a real-time payment

system developed by the National Payments Corporation of India (NPCI) that
allows users to instantly transfer funds between bank accounts through their
smartphones. UPI payments provide a convenient, secure, and seamless way
to make transactions, including person-to-person payments (P2P), bill
payments, online shopping, and more.

Working mechanisms:

PUSH: Streamlined Payment

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● Initiation and Authorization: Customers use UPI apps, provide details,

and authorize through their bank.
● Verification and Transfer: Funds are verified, deducted, and instantly
transferred to the recipient’s account.

PULL: Controlled Payment Requests

● Initiation and Flow: Recipients request funds, and the payment

request flows to the NPCI.
● Transaction Between Banks: The request moves between banks, gets
verified, and completes with fund transfer.

ADVANTAGE and DISADVANTAGE Of Google pay :

Advantages:

● Easier than carrying around a wallet full of credit cards.

● More secure than using a physical credit card, thanks to tokenization.
● Compatible with hundreds of Android phones and devices.
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Disadvantages :

● Not available in every region, and not all businesses accept it.
● Not compatible with iOS devices (Apple users can use Apple Pay instead).
● Only works if your phone does, so you should carry a physical card as a backup
in case your battery dies.

Example for wrong payment in Google pay and recovery method:

If you accidentally made a payment on Google Pay, unfortunately,

there isn't a direct way to reverse it yourself. The best thing to do is to
contact Google Pay customer support 891-896-3354 to request a
refund.

Recover methods

1,Contact the Receiver: Reach out to the person who received the
funds and request a refund. Provide them with the necessary details
and ask for their cooperation in returning the money.
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2,Contact Customer Support: Report the wrong transaction to the

customer support team of your UPI app. Provide them with all the
relevant information and evidence of the transaction. They can assist
you in initiating the refund process.

3,File a Complaint with NPCI: If you are unable to resolve the issue
with the app’s customer support, you can file a complaint with the
National Payments Corporation of India (NPCI). Provide them with the
transaction details and evidence, and they will investigate the matter
further.

4,Seek Assistance from Your Bank: Contact your bank and inform
them about the wrong transaction. Provide them with all the
necessary details and documentation. They can help initiate the
chargeback process to recover the transferred funds.

5,Approach the Banking Ombudsman: If you are not satisfied with the
response from your bank or the UPI app’s customer support, you can
escalate the issue to the Banking Ombudsman. They can mediate
between you and the concerned parties to resolve the dispute.