Google Pay India
Country: India (IN) | Payment Rail: e_wallet
DigitalWallet
Market Adoption: 38%
Google Pay India is Google's major UPI-based digital wallet in India, enabling mobile P2P transfers, online merchant checkout, and automated UPI AutoPay subscriptions.
🔄 User Payment Flow
- Customer selects Google Pay at merchant checkout
- Checkout opens Google Pay Android app or prompts for VPA (UPI ID)
- Customer inputs UPI PIN in Google Pay to confirm transaction
- NPCI clears funds via UPI and Google Pay sends instant token to merchant
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API calls acquiring gateway (Razorpay / PayU) for Google Pay session
- PSP issues payment token and Google Pay deep link / VPA request
- PSP receives NPCI UPI clearing callback and updates merchant order status