🇮🇳 Complete Guide to Sending Money with Google Pay (GPay) in India

🔧 Getting Started: One-Time Setup

Before using GPay for transactions, follow these steps:

1. Install & Verify
   • Download from Google Play Store or Apple App Store.
   • Verify the phone number registered with your bank.
2. Link Bank Account
   • Tap your profile icon > Payment Methods > Add Bank Account.
   • Choose your bank from the list.
3. Verify Account
   • GPay sends an SMS for verification. Ensure SMS balance is available.
4. Set UPI PIN
   • Enter your debit card details (last 6 digits + expiry date).
   • Set a 4 or 6-digit UPI PIN.

5. ⚠️ Never share your UPI PIN.

💸 Four Ways to Send Money Domestically (India)

1️⃣ By Phone Number

Best for contacts already using GPay.

Steps:

• Tap "Pay contacts" or use the search bar.
• Select a contact or enter their phone number.
• Tap Pay > Enter amount & optional note.
• Tap Proceed to pay > Enter UPI PIN.

✅ Instant transfer. No need for bank details.

2️⃣ By UPI ID (VPA)

Use when recipient shares a UPI ID like yourname@okaxis.

Steps:

• Tap "Pay UPI ID or number" > UPI ID.
• Enter and verify UPI ID.
• Tap Pay > Enter amount & note > UPI PIN.

✅ Works for all UPI apps, not just GPay users.

3️⃣ Direct Bank Transfer

Ideal when only account number & IFSC are available.

Steps:

• Tap "Bank Transfer" on the home screen.
• Enter:
  • Account number (twice)
  • IFSC code
  • Recipient’s name
• Tap Continue > Enter amount > UPI PIN.

✅ Traditional method, suitable for any Indian bank account.

4️⃣ Scan Any QR Code

Perfect for merchant payments or bill settlements.

Steps:

• Tap "Scan QR" on home screen.
• Point camera at merchant's QR code.
• Enter amount > Proceed to Pay > UPI PIN.

✅ Fastest for in-person transactions.

🌍 International Payments with GPay

🌐 UPI International for Indian Travelers

Use Indian accounts to pay abroad (in select countries).

Supported Countries: UAE, Singapore, Mauritius, Nepal, Bhutan
How It Works:

• Activate "UPI International" from GPay.
• Scan merchant QR abroad.
• Confirm amount in INR + exchange rate shown.
• Pay with UPI PIN.

✅ No card required. Uses existing bank account.

💸 Remittance to India via GPay (U.S. to India)

For foreign users sending money to Indian accounts.

Integrated Partners:

• Wise
• Western Union

Process:

• Sender uses GPay (U.S. version).
• Chooses recipient in India.
• Selects partner (Wise or Western Union).
• Pays using card or account.
• Funds credited to recipient’s Indian bank account.

📌 Exchange rates and service fees are set by the third-party provider, not GPay.

✅ Summary: GPay Transfer Methods at a Glance

Transfer Method Requires Best Use Case Platform
| Phone Number  | GPay app + contact  | Friends, family, regular contacts  | Domestic
| UPI ID  | Recipient's VPA  | Online payments, non-contacts  | Domestic
| Bank Transfer  | Account No. + IFSC  | To non-GPay users or formal needs  | Domestic
| QR Code  | Merchant QR  | In-person shopping  | Domestic
| UPI International  | Active UPI & SMS  | Traveling abroad  | Intl
| Intl Transfer (via Wise/WU)  | US-based GPay  | Sending money to India  | Intl

🔐 Security Tips

• Always verify recipient details before sending.
• Never share your UPI PIN, OTP, or debit card details.
• Use biometric lock or app lock for extra security.