Google Pay - FAQs

Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Google Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use. In order to make a contactless NFC transaction, please make sure that NFC is turned on in phone settings.

• By default your first added card will be used for contactless/Tap & Pay payments.
• In order to change your card: 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.

The Permissible limit for Tap & Pay transactions in India is Rs 2000. You can use Google Pay to transact only up to Rs 2000 at merchant terminals. Your card PIN will not be required for these transactions.

Yes. Google Pay enables contactless payments, even if your physical card is not contactless. All you need to do is have an NFC enabled phone and turn on NFC in settings and add your card to Google Pay.

SMS OTP is used as AFA for online and Bharat QR transactions. The OTP will be sent to your registered mobile via SMS. This is mandatorily required for all online and Bharat QR transactions irrespective of the order amount.

Canceling/Disputing the payment made with Google Pay is exactly same as your physical Card. Please follow below steps:

Bharat QR:

Please contact your bank:

• If the transaction has failed but card has been charged
• If the transaction has succeeded but fulfillment of order on merchant side has failed and merchant claims that he has not received the funds.
  You can provide the approval code on the transaction detail screen as reference to your bank. 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 did not get fulfilled
• Other potential merchant side issues like: Cancellation of order, Returns of goods and service, Late delivery

Online merchant Payments (Currently supported on Myntra)

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

Mobile Recharge on Google Pay

Please raise a dispute in Google Pay app if transaction was successful but order did not get fulfilled. 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:

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

You can provide the approval code on the transaction detail screen as reference to your bank.

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 merchant if:

• Transaction Was Successful But Order Didn’t Get Fulfilled
• There are other potential merchant side issues like: Cancellation of order, Returns of goods and service, Late delivery

Google Pay requires an active internet connection for Card registration and activation. Google Pay also requires an active internet connection for performing in-app (ecommerce) and scan & pay transactions. However, an active internet connection is not required to do Tap & Pay for in-store card purchases if you already have an added card.

Google Pay does require internet connection periodically to update its security features. In such instances, if there is no internet connection, the app might not work intermittently until an active connection is established.

In rare cases, the merchant may ask you for the last four digits of the Card number. You will need to provide the last four digits of the digital card number, instead of the last four digits of the physical Card number.

For enhanced security, your actual Card number will never be stored on the phone or exposed to the merchant. Your Card number will instead be replaced by a unique digital number (i.e. Digital Card Number, visible on the left side of the card in the Google Pay screen, and in the main app when viewing your registered Cards) each time you add a new Card to your device. This Digital Card number will then be transmitted to merchants in place of your actual Card number for purchases.

In rare cases, the merchant may ask you for the last four digits of the Card number. You will need to provide the last four digits of the digital card number, instead of the last four digits of the physical Card number.

Yes, you can register the same Card in multiple devices. Please note that even if you register your Card on more than one device, any SMS communications about your Google Pay account will still be sent only to the registered mobile phone number with bank.

If your Card Number gets changed please register again.

This 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 GPay. Paying to friends/family is not supported using cards. You can always use UPI on Google Pay for the same.

You will not be able to add your card to Google Pay if your card is suspended on expired.

If your added card on Google Pay gets suspended or expired then they do not show up in the payment methods screen on Google Pay.

No. Only Cards in active state will work

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.

You will be able to return merchandise that you purchased using Google Pay based on the store's return policy

No, there is no issue. The Card displayed in Google Pay may differ slightly with the physical Card. The key points to look for bank logo and Visa logo and the last four digits of the physical Card.

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

• Your card may not be eligible to participate in Google Pay.
• Card information entered for registration is not correct, and/or
• Technical issues (In such cases you should try after some time.)

Your mobile number may not be available with Bank. Please register your mobile number and email id with the bank immediately.

You can register your mobile number via:

• Internet banking
• The nearest Axis Bank ATM
• Phone Banking
• going to the nearest Axis Bank Branch

Please contact the bank’s helpline 1800 419 0013

Please contact the bank’s helpline1800 419 0013

Please contact the bank’s helpline 1800 419 0013

Toll free number for Google Pay at Axis : 18004190013.

Other contact details for Google Pay are here :
https://support.google.com/pay/india/answer/7562363?hl=en-GB