Manage your credit and debit cards

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

Add cards to Google Pay

Important: Only Axis Visa cards, Kotak Visa cards and SBI Visa cards can be added to your payment methods. International cards aren’t supported by Google Pay at this time.

 

1. On your mobile device, open Google Pay .
2. Tap on your Profile Picture  Bank Accounts and Cards  Add card.
3. Enter the card number, expiry date, CVV, and the cardholder’s name and billing address.
4. Tap Save. 
   1. Accept issuer Terms & conditions
   2. We will contact your bank to verify your card
   3. Choose how you will verify
   4. You will be asked for additional authentication via OTP
   5. OTP will be auto read or you can enter manually
5. Next to your new card’s payment method listing, tap Activate.
6. Enter your one-time password.
   
   Important: You should receive this password via text message to the phone number associated to your Google Pay account. If you don’t receive a one-time password, verify that your contact information is correct. If your contact information is up-to-date, contact your bank to troubleshoot.

7. Enter your one-time password. You will see a confirmation. If you do not see a confirmation, double check your card information and try again.

After your card is verified, you’re ready to use it for transactions.

Note: Adding your card to Google Pay will register your card for Tokenized card payments for all the below use cases:

1. Tap & Pay at NFC enabled terminals
2. QR code based payments at merchants
3. Mobile Recharges on Google Pay and Online payments on 3rd party merchants where Google Pay is supported

 In case you don’t want to register your card for any of the use cases listed above you can always call your bank to opt-out/deregister a particular use case for you before adding the card.

You can also call your issuer to de-register your card on a per use case basis post card  addition

Remove cards from Google Pay

1. On your mobile device, open Google Pay .
2. Tap Settings Payment methods.
3. Tap the card you want to remove Remove card.

Note: Removing your Card from Google Pay will automatically disable all forms of tokenized card payments for you.

You can also call your issuer to de-register your card on a per use case basis post card addition.

Change your default Tap & pay card

1. On your mobile device, open Google Pay .
2. Tap Settings Google.
3. Tap Account services Google Pay.
4. Follow the on-screen instructions to change your default Tap & pay card.

 

As per RBI’s directive w.e.f. October 1st, 2020, any Indian debit or credit card that is newly issued or has never been used before for online e-commerce or contactless payments will be blocked for the same. In case of such failure, you can enable them via Mobile and Internet banking. Please contact your bank for further details.

Get answers to common questions

I can't find the Add card option on Google Pay?

This feature is currently available for Android devices only. If you are not able to the see this option, we suggest you to update the Google Pay app to the latest version.

What types of cards can be added to Google Pay?

You can currently add the following cards:

1. Axis Visa Credit card
2. Axis Visa Debit card
3. SBI Visa Credit card
4. SBI Visa Debit card
5. Kotak Visa Credit card
6. Kotak Visa Debit card

Where can I pay?

You can use a credit or debit card added in Google Pay for the following types of transactions:

1. Tap & Pay at NFC enabled payment terminals
2. Bharat QR code based Payments at online & offline merchants
3. Mobile Recharge payments on Google Pay
4. Online Payments on Myntra app

Where will I find all the cards that I have added in Google Pay?

To check your cards added in Google Pay:

1. Open the Google Pay app.
2. At the top left, tap your Profile Picture. 
3. Tap Payment methods.  

Can I use cards added on Google Pay in foreign countries?

This depends on the Card variant that you have registered on the Google Pay app i.e., if your Card is an international variant then you can use it at foreign countries and if it is a domestic variant then you can use it only in India. Please make sure that you have enabled your card for international transactions with your issuer in order to use it for international payments. 

Can I use cards added on Google Pay at ATM?

Currently Google Pay is not supported at ATMs.

I am getting the Call Bank option while adding my card instead of SMS OTP and email OTP?

Your mobile number and/or email ID may not be available with Bank. Please contact your bank to register your mobile number and email id with the bank immediately.

How secure is my card on Google Pay ?

Google Pay uses a process called tokenization to save your card. Tokenization is a method of replacing your sensitive payment Card information (Card Number,Expiry Date, CVV etc.) with a device-specific ‘Token’ which acts as a surrogate value that is then used for processing payments instead of the sensitive card information. Tokens are used to protect your payment information and to reduce the security risks inherent to plastic Cards.

If I change phones, do I need to add the Cards all over again?

Yes if you change your phone then all your cards would have to be added again since Card tokens are device specific and you would need to re-tokenize your cards on your new device.

I want to recycle/give away my phone but my Card are still on the phone. What should I do? 

• You should delete all your Cards one at a time from Google Pay App.
• You should also log out of Google pay app and uninstall the app. 

Will my Google Pay Card information still be on my device if it is formatted/reset?

No, Formatting or resetting your device will remove all payment Cards registered to your device.

Can the card be used immediately after its registration? 

Yes, it can be used immediately after successful registration.

When I attempt to register a Card on Google Pay, a message tells me that it cannot accept my Card and to contact my bank. What should I do?

Please ensure that you are using a valid Axis Visa debit or credit card and SBI Visa credit card only. If it still fails then it may be any of the following reasons:

1. Your card may not be eligible to participate in Google Pay. Please check above for the participating  card program. 
2. Card information entered for registration is not correct.
3. Technical issues (In such cases you should try after some time).

My Card is greyed out in Google Pay, what does this mean? 

If your card is greyed out, then it means that your card is unsupported for the payment you are trying to make. Please note Cards are not supported for P2P payments meaning you can only pay merchants/businesses using cards added on Google Pay. Paying to friends/family is not supported using cards. You can always use UPI on Google Pay.

Will my Card work on Google Pay if my physical Card is closed or blocked?

No if your physical card is blocked then even your tokenized card on Google Pay will not work.

Where Can I see the Google Pay card purchases made with my phone?

For online and Bharat QR transactions : 

• You can view your transaction history in the All transactions section on Google Pay.
• You can also view the transactions in your conversation section with the individual merchants.

Your Tap & Pay transactions will not be visible in the Google Pay app and you can view them in the cards section on your issuer net banking portal.

How can I Tap & Pay after adding my card ?

• Unlock your phone : Turn on your phone screen and unlock your phone. You do not need to open the Google Pay app.
• Enable NFC on your phone : Go to your device settings and enable NFC on your device if not already enabled
• Tap on terminal : Now all you need to do is Tap your phone onto the terminal in the same way  as you would tap your physical card.
• Default Card : Incase you have multiple cards added to your account your first added card will be used by default for Tap and Pay. Incase you wish to change your default card you can do so through Google settings on your mobile device.(Not Google Pay settings)
• Pay at any store : You can pay at any store that has a tap & pay enabled terminal. You should look out for terminals with the below contactless symbol OR ask at the store

    

How will the rewards be credited If I have added only a credit card in Google Pay?

You need to have a primary bank account added in Google Pay to receive funds/rewards which you have earned by making a transaction by using credit cards.

How do I change the default card for tap and pay method?

• On your mobile device, open Google Pay 
• Tap Settings Google.
• Tap Account services Google Pay.
• Follow the on-screen instructions to change your default Tap & pay card.

How do I opt-out for tap and pay, QR or in-app payment methods?

You can call your issuer to opt-out/de-register your card for any of these individual use cases.

Please note that removing your Card from Google Pay will also automatically disable all the above tokenized card payments for you.

How can I set transaction limits for my Card transactions? 

You can call your respective bank to set and modify per transaction and daily transaction limits for their card transactions.

How will the rewards be credited If I have added only a Credit/Debit card in Google Pay?

You need to have a UPI linked primary bank account added in Google Pay to receive funds/rewards which you have earned by making a transaction through cards.

What to do incase I lose my device?

• Locking a device with Android Device Manager here will deactivate all your card tokens.
• You can also choose to Wipe out the device in which case we will remove the tokens completely from the device instead of de-activating them.
• You also have an option to call your issuer bank to disable the card tokens. You would however have to call your issuer bank to re-enable them if you want to use tokenized card again.

Registering/De-registering cards for tokenized payments

You can call your issuer to Register/De-register your card for tokenized card payments. If your card is registered for tokenized payments then you can make the following type of payments:

• Tap & Pay
• QR code based
• Merchant Payments on Google Pay app
• Online payments on 3rd party merchants where Google Pay is supported 

De-registering your card with the issuer for tokenized card payments will disable all the above tokenized card payments for you.

How do I get my cards dispute resolved (Bharat QR, Myntra , Mobile Recharge, and Tap & Pay)?

Bharat QR

Please contact your bank:

• If transaction has failed but card has been charged.
• If transaction has succeeded but fulfilment of order on merchant side has failed and merchant claims that he has not received the funds

You can use the approval code on the transaction detail screen to provide as reference to your bank. To get in touch with the issuer bank, tap on the transaction in Google Pay and you will be able to see the contact details for the issuer bank.

Please contact the merchant:

• If transaction was successful but order didn't get fulfilled.
• Other issues like: Cancellation of order, Returns of goods and service, Late delivery

Online Payments on Myntra

Please contact your bank:

• If transaction has failed but card has been charged
• If transaction has succeeded but fulfilment of order on merchant side has failed and merchant claims that he has not received the funds

To get in touch with the issuer bank kindly tap on the transaction in Google Pay and you will be able to see the contact details for the issuer bank.

Please contact the merchant:

• If transaction was successful but order didn't get fulfilled
• Other issues like: Cancellation of order, Returns of goods and service, Late delivery.

You can contact the merchant by using the contact option in the overflow menu on the conversation screen.

Mobile Recharge

Raise a dispute in Google Pay app. Please follow below steps to raise a dispute:

1. Open Google Pay App.
2. In the Business section, tap on the specific Biller.
3. Tap on the specific Transaction in question
4. Tap Raise Dispute then select the reason
5. Tap Raise Dispute

Your issue will be resolved within 7 business days from initiating a dispute.

Tap & Pay

Please contact your bank:

• If transaction has failed but card has been charged.
• If transaction has succeeded but fulfilment of order on merchant side has failed and merchant claims that he has not received the funds

Please contact the merchant:

• If transaction was successful but order didn’t get fulfilled.
• Other issues like : Cancellation of order, Returns of goods and service, Late delivery.

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