Google Pay: UPI, Cards, Loans

Join crores of Indians who trust Google Pay for their daily UPI and credit card payments. An intuitive and clean interface, powered by lightning-fast and safe payments backed by the security of your bank, payment network and Google.

Lightning-fast UPI payments

- Scan & pay anywhere: Scan any UPI QR instantly at local shops, restaurants, and more.
- Pay anyone, anytime: Send money to friends, family, or any phone number instantly, 24/7.
- Direct bank transfers: Transfer funds securely straight from your bank account.
- Check balance instantly: View your real-time bank balance across any bank account.
- Pay with RuPay credit cards: Link your RuPay credit card for seamless payments directly through Credit on UPI.

World-class Google security

- Multi-layer protection: Backed by your bank and Google's advanced data safety frameworks to preemptively flag fraud and hacking.
- Total access control: Every single payment requires your unique UPI PIN or your biometric authentication. For additional safety, secure your app with biometric locks like fingerprint or face recognition.

Recharges and Bill Payments

- Instant mobile recharges: Buy the latest prepaid plans for Jio, Airtel, Vi, and BSNL.
- Settle bills with smart reminders: Pay for electricity, broadband, DTH, and FASTag in seconds. Link your bill payments once and get timely alerts before payments are due.
- Clear credit card bills and loan EMIs: Clear your outstanding credit card bill payments or loan EMIs, always on time with a tap.

Empower family members safely: Pocket Money

- Enable your family with Pocket Money: Enable digital payment access to family, friends, or dependents you trust—all linked to your bank account.
- Smart limits: Set a secure monthly spending limit so that they can manage everyday expenses independently. No more sending QR for approvals.
- UPI Circle security: Built on NPCI's UPI Circle with real-time tracking, instant alerts, and the power to pause access at any moment.

Supercharge your spending: Credit cards simplified by Google Pay

- Flex by Google Pay, a co-branded RuPay Credit Card: Built for India, apply for the credit card directly from within the app. From kiranas to shopping malls, pay everywhere just like UPI. Earn rewards on every spend, redeem them instantly on the go and repay flexibly in EMIs.
- Link your existing cards to pay with credit: Link your RuPay, Visa or Mastercard and pay at any store, online merchants or for your bill payments and recharges. Now, you can pay with Visa or Mastercard linked on Google Pay at select online merchants too!

Check CIBIL score for free and get instant personal loans

Check your credit score instantly at zero cost and access quick, transparent digital loans up to ₹40 lakh from India's top trusted lending partners, including Aditya Birla Capital Limited, L&T Finance, DMI Finance, Axis Bank, IDFC FIRST Bank, and SMFG India Credit.

- 100% digital
- Interest rate starting at 9.99%
- No spam or hidden charges
- Top up loans and flexibility to choose amount, tenure

Google Pay works with all Indian banks supporting BHIM UPI.