Third-party
Google Pay
Second large everyday UPI app. Rewards are promotional. A 2026 comparison says credit-card bill payments carry a platform fee of around 1%.
Install and signup
How to start using Google Pay
Use the checked provider route above, not an APK sent over chat. The ordinary bank-account UPI setup takes four steps.
- Open the official install or signup link and verify the app developer.
- Register with the mobile number linked to your bank account.
- Select the bank, allow the verification SMS, and choose the account.
- Create or confirm the UPI PIN. Never enter the PIN to receive money.
The questions
What Google Pay can keep in one transaction trail.
Yes means that payment is supported. The goal is to keep most UPI payments easy to check later: status, reference ID, reversal and dispute path. Cashback is shown only as context.
| Payment | Supported | Reward note |
|---|---|---|
| Paying a shop | Yes | — |
| Mobile recharge | Yes | — |
| Credit card bill | Yes | — |
| Utility bills | Yes | — |
| FASTag | Not checked | — |
| Sending money to a person | Yes | — |
| RuPay credit card on UPI | Not checked | — |
Mobile recharge is supported. That coverage matters more than whether a temporary cashback rate is published.
Credit card bills can be paid here. Use the right credit card for earning rewards; use this row to confirm bill-payment convenience.
PSP bank on file: Axis Bank, HDFC Bank, ICICI Bank, State Bank of India. That helps identify the payment route; it is not a reason to chase rewards.
Quoted from the source
Credit card bill payments attract a platform fee of around 1%.
enkash.comGoogle Pay is still one of the most widely used UPI apps, but its cashback model is now more promotional than guaranteed.
withupi.comGoogle Pay appears in the current NPCI TPAP source checked on 4 October 2026.
npci.org.in
Questions people ask
Google Pay FAQs
What is Google Pay?
Second large everyday UPI app. Rewards are promotional. A 2026 comparison says credit-card bill payments carry a platform fee of around 1%.
Is Google Pay an NPCI-listed UPI app?
Yes. NPCI listed Google Pay in its UPI third-party applications roster when checked on 4 October 2026.
How do I install and sign up for Google Pay?
Open the official install or signup link on this page, verify the developer name, register with the mobile number linked to your bank, select the bank account, and create or confirm the UPI PIN. Never enter a UPI PIN merely to receive money.
Does Google Pay need a bank account?
Ordinary UPI registration normally needs an Indian bank account and the mobile number registered with that bank. This catalogue has not verified a bank-free route for Google Pay.
Which banks and UPI handles does Google Pay use?
The PSP bank or banks on file are Axis Bank, HDFC Bank, ICICI Bank, State Bank of India. Handles on file include @okaxis, @okhdfcbank, @okicici, @oksbi.
Does Google Pay give cashback or rewards?
No stable cashback rate is verified for Google Pay. Any scratch card, coupon, coin or campaign shown in the app can change and should not be treated as a guaranteed return on every UPI payment. Pick Google Pay only if it is convenient for the payments you actually make.
Does Google Pay charge for UPI payments?
No app-use fee is verified in this record. Ordinary bank-account UPI payments are usually free to the customer, but card bills, wallet loading, credit products and other services can have separate fees. Check the confirmation screen before paying.
What is the daily UPI limit on Google Pay?
There is no single verified Google Pay limit in this record. The effective limit can depend on your bank, transaction type, beneficiary cooling period and the app's risk controls. Your bank and the live payment screen are the final sources.
Should I use Google Pay only for rewards?
No. Use Google Pay if it makes everyday UPI easier to check later: merchant payments, transfers, bills, recharges, bookings, transaction history, UPI reference IDs, reversals and support. UPI rewards are usually temporary and capped. For rewards and cashback, credit cards are normally the better product.
Is Google Pay safe?
Google Pay should be installed only from the official link or a verified app-store listing. Check the developer, never share an OTP or UPI PIN, and remember that a UPI PIN authorises money leaving your account—it is not needed to receive money.
What should I do if a Google Pay payment fails but money is deducted?
Do not pay again immediately. Open the transaction, save the UPI reference, amount and time, check the bank account for a reversal, and raise a complaint inside Google Pay if it does not reverse within the stated period. You can also use NPCI's official UPI Help service.