Google Pay is currently one of the most popular UPI-based payment services in India. The application allows you to send money to friends, pay bills, recharge mobile numbers, and more. It also allows you to pay at companies that use the Spot platform. Google Pay was also slated to get a tokenized card feature, according to an announcement a year ago, but it is nowhere to be seen to date. However, the payment service has started testing NFC-based card payments in India.
First reported by Android Police, Google Pay has added support for debit and credit cards as a supported payment choice in the app. The service only supports Axis Bank credit/debit cards and SBI cards at the moment.
To set up your credit/debit card, open the Google Pay app and tap on your profile photo in the upper right. Then, you must go to the section “Accounts and bank cards” to find the new option “Add card“. It will tell you that you can add cards from only two major banks in India. However, we can expect more banks to join in the coming months. You will need to verify the same through an OTP message received from the bank.
If you have a hard time figuring it out, Google Pay already has a couple of live support pages to help you through the setup process. It mentions that adding your credit/debit card to the app will “register your card for Tokenized card payments” and enable a large number of features in India.
Most important of all are NFC-based card payments, which allow you to simply touch your phone at NFC terminals to complete payments. It also allows you to scan Bharat QR payment codes and make payments on online websites where Google Pay is supported.
For those unfamiliar with token cards, it means that Google Pay will assign a virtual account number to protect your real credit/debit card number. All of this data is stored on your Android phone, so you have to set up your cards every time you decide to switch to a new device.