Add a credit or debit card for payments

You can add, remove, or update your credit and debit cards in your Google Pay account.

Important: The “Add credit or debit cards'' feature is available for Android devices only. If you can’t find this option, update your Google Pay app.

Learn more about supported cards and payment modes.

Add cards to Google Pay

Pay with credit or debit 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 Card.
   
5. To add a card, you have 2 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 is verified, it’s ready to be used for transactions.
    • In Google Pay’s “Payment methods” section, you can find all your added cards.

Fix a problem

I get “Call bank” option instead of SMS or email OTP verification

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

Unable to locate added cards after formatting phone

If you change, format, or reset your phone, add all your cards again. To protect payment information and reduce security risks, Google Pay uses tokenization to save your card. This process replaces sensitive information like 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 tokenize your cards again on your new device.

I get an error that says my card can’t be accepted and to contact the bank

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.

Card is grayed out in Google Pay

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 like pay to friends or family. You can use UPI on Google Pay instead.

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

Remove cards from Google Pay

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.

Change your default “Tap to Pay” card

Important: Reserve Bank of India’s directive with effect from October 1, 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 “Tap to Pay” 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 Tap and pay card.”
5. To change your default card, tap the card you want to use.

Credit card uses on Google Pay

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.

Usage of cards added on Google Pay for transacting abroad

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.

Resolve a card transaction dispute

For all merchant transactions

This applies to transactions made through:

• Tap to Pay
• Bharat QR
• Online merchant payments

Contact your bank if either:

• The transaction failed but the card is charged
• The transaction succeeded but fulfillment of the order by the merchant failed, and the merchant claims they didn’t receive the funds

Contact the merchant if either:

• The transaction is successful but the order isn’t fulfilled
• There are other issues, like:
  • Order cancellation
  • Return of goods and services
  • Late delivery

For bill payments & 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 7 business days.

What to do when device is lost

To deactivate the card, contact your bank.

• To deactivate all 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.

Encounter errors during tokenization

Important: Reserve Bank of India’s directive with effect from October 1, 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.

Additional information

Add an add-on credit card on Google Pay

You can add an add-on credit card from a bank that Google Pay supports.

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.