Add a credit or debit card for payments

1. On your mobile device, open the Google Pay app .
2. On the home screen, tap Tap & pay.
   
3. To tap the phone and make card payments, tap Card Add a card.
   
4. To add a card, you have two options:
   • Option 1: Scan your card with your phone’s camera.
     • Your card details are autofilled.
   • Option 2: Tap Enter details manually.
     
5. Tap More.
   • Accept the Terms and Conditions.
     
   • We'll contact your bank to verify your card.
6. Select how you'll verify your identity.
   
7. Tap Continue.
   • Verify your identity with a one-time password (OTP).
     Important: The verification code or OTP is sent through text to the phone number connected with your Google Pay account. If you don’t receive the OTP, check if your contact information is correct. If your contact information is up to date, contact your bank.
   • OTP can be autofilled or entered manually.
     
8. Tap Submit.
   • If you don't receive a confirmation, check your card information and try again.
9. If your card has been verified, it's ready to be used for transactions.
   • In Google Pay's 'Payment methods' section, you can find all your added cards.

1. On your mobile device, open the Google Pay app .
2. Tap your Profile picture Pay with credit or debit cards.
   
3. Tap Add credit or debit cards.
   
4. Tap Add a card.
   
5. To add a card, you have two options:
   • Option 1: Scan your card with your phone’s camera.
     • Your card details are autofilled.
   • Option 2: Tap Enter details manually.
     
6. Tap More.
   • Accept the Terms and Conditions.
     
   • We'll contact your bank to verify your card.
7. Select how you'll verify your identity.
   
8. Tap Continue.
   • Verify your identity with a one-time password (OTP).
     Important: The verification code or OTP is sent through text to the phone number connected with your Google Pay account. If you don’t receive the OTP, check if your contact information is correct. If your contact information is up to date, contact your bank.
   • OTP can be autofilled or entered manually.
     
9. Tap Submit.
   • If you don't receive a confirmation, check your card information and try again.
10. If your card has been verified, it's ready to be used for transactions.
    • In Google Pay's 'Payment methods' section, you can find all your added cards.

Your mobile number or email address isn't available with the card-issuing bank. To register your details, contact your bank.

If you change, format or reset your phone, add all your cards again. To protect payment information and reduce security risks, Google Pay uses tokenisation to save your card. This process replaces sensitive information, such as a card number, expiry date and CVV, with a device-specific token. The token acts as a substitute value used to process payments. Since card tokens are device-specific, you must tokenise your cards again on your new device.

Ensure that you add a valid card. If it's still unsuccessful, it could be due to one of these reasons:

• Your card isn't supported on Google Pay.
• You entered incorrect card information.
• Technical issues occurred.
  • Try again after 2–4 hours.

If you continue to encounter issues, contact your bank.

This could occur due to either of the two reasons listed below:

• Your card isn't supported for the payment type that you want to make.
  • Cards aren't supported for peer payments, such as payments to friends or family. You can use UPI on Google Pay instead.

• Your physical card is blocked.
  • Contact your bank.

1. On your mobile device, open the Google Pay app .
2. Tap Settings Payment methods.
3. Tap the card that you want to remove.
4. Tap Payment method details.
5. Tap More Remove card.

Tips:

• If you remove your cards from Google Pay, all forms of card payments will be unavailable for you.
• To deregister your card on a use-case basis, contact your bank.

Important: The Reserve Bank of India's directive, which came into effect on 1 October 2020, mandates that Indian debit or credit cards will be blocked if:

• Newly issued cards are not activated within the stipulated time frame
• Cards were never used for online or contactless payments within the stipulated time frame

Activate contactless payment settings for your card through the issuing bank's mobile app or Internet banking. For more details, contact your bank.

Once activated, set your default 'Pay contactless' card.

1. On your Android device, open the Google Pay app .
2. Tap your Profile picture Pay with credit or debit cards.
3. Under 'Other ways to pay', find your cards.
4. Click any card.
   • Under any of your added cards, find 'Default pay contactless card'.
5. To change your default card, tap the card that you want to use.

You can't use credit cards to send money. You can set your credit card as a primary form of payment for transactions with merchants and billers.

Tip: You can add your credit card without adding a bank account on Google Pay. However, credit cards can only be used for transactions with merchants and billers.

If your card supports international transactions, you can use it in foreign countries through Google Pay. To use your card for international payments, enable international transactions. Contact your card-issuing bank.

For all merchant transactions

This applies to transactions made through:

• Pay contactless
• Bharat QR
• Online merchant payments

Contact your bank if either:

• The transaction failed but the card has been charged
• The transaction succeeded but fulfilment of the order by the merchant failed, and the merchant claims that they didn't receive the funds

Contact the merchant if either:

• The transaction was successful but the order hasn't been fulfilled
• There are other issues, such as:
  • Order cancellation
  • Return of goods and services
  • Late delivery

For bill payments and recharge transactions

In the Google Pay app , raise a dispute.

1. On your mobile device, open the Google Pay app .
2. In the 'Business section', tap the specific biller.
3. Tap the specific transaction.
4. Tap Raise dispute.
   • Select the reason.

Your issue will be resolved within seven working days.

To deactivate the card, contact your bank.

• To deactivate all of your cards in Google Pay, lock your device with Android Device Manager.
  • You can also select 'Wipe out the device'. Instead of deactivating them, Google Pay will remove the cards from the device.

Important: The Reserve Bank of India's directive, which came into effect on 1 October 2020, mandates that Indian debit or credit cards will be blocked if:

• Newly issued cards are not activated within the stipulated time frame
• Cards were never used for online or contactless payments within the stipulated time frame

Activate contactless payment settings for your card through the issuing bank's mobile app or Internet banking. For more details, contact your bank.

Add an add-on credit card on Google Pay

You can add an add-on credit card from a bank that is supported by Google Pay.

Set transaction limits

To set or modify the individual transaction and daily transaction limits of your cards, log in to your banking app or contact your bank.