How To Set Up UPI PIN and Use Google Pay Without Debit Card

Set Up UPI PIN and Use Google Pay Without Debit Card

In today’s world, convenience is king. We want everything to be quick, efficient, and simple to use. This desire for convenience has fueled the growth of mobile payment systems such as Google Pay. Google Pay allows you to use your phone to pay both online and offline. Google created a digital wallet and payment system designed specifically for Android phones, tablets, and watches. Normally, you link your Google Pay account to a credit or debit card, but what if you don’t have one or don’t want to use it? Is there a way to do it without using a card? Or will the hassle be with us forever? Well, If you’re looking for ways to better manage your finances, or to use Google Pay without your ATM or Debit card, then you’ve come to the right place. Here’s everything you need to know!

Table of Contents

Can I Use Google Pay Without Debit Card?

Google Pay recently announced that it will now support Aadhaar-based authentication when enabling UPI. This implies that users no longer require a debit card to set up their UPI PIN. Users must make sure the number they provide is the same one that is registered with both UIDAI and their bank to register for UPI on Google Pay using their Aadhaar number. Google makes it clear that during the validation process, it does not keep track of users’ Aadhaar numbers. 

According to their statement, Google has unveiled a new Aadhaar-based system that attempts to verify users during the UPI sign-up process without requiring a debit card. The first six digits of an Aadhaar number must be entered by users to start the authentication process. The National Payments Corporation of India (NPCI) then forwards these numbers to UIDAI for verification. Thus, using Google Pay without an ATM or debit card has become very simple for users.

How to use Google Pay Without Debit Card? Set Up UPI PIN without Debit Card

Step 1: Download and install. Google Pay

First, download the Google Pay app from the App Store or Google Play. Once installed, launch the app to start the setup process.

Step 2: Sign in or create a Google account.

If you already have a Google account, sign in with your credentials. If you do not already have an account, you can easily create one within the app.

Step 3: Select “Add Bank Account” at the top of the page. However, if you already use GPay and would like to add another account, select Bank Accounts from the section of your profile.

Step 4: Select your bank account from the list. 

Step 5: You’ll be prompted by Google Pay to grant certain permissions, such as SMS permission. It will confirm your mobile number and locate the chosen bank account connected to this number as soon as you grant permission.

Step 6: Choose your bank account and generate your account’s Google Pay UPI ID or number. It’s time to set your UPI PIN after creating a UPI ID.

Step 7: Select “Set UPI PIN” and confirm your bank account with your Aadhaar number or an ATM card linked to the account. 

Step 8: Proceed by entering your Aadhaar number’s first six digits. You will then receive two OTPs: one from Aadhaar and one from your bank.

Step 9: Enter the 6-digit OTP from your bank, after entering the 6-digit Aadhaar OTP first. 

Step 10: Now that Google Pay is linked to your bank account, you can take the benefit of its options without using an ATM card. Pay with your phone both online and in-store, and send money to loved ones with a few simple taps.

Google Pay Without ATM Card

Is it safe to use Google Pay?

Google Pay is a secure online payment application. It employs a diverse set of security measures to keep customers and accounts safe and secure. These operate continuously in the background, both manually and automatically. Using one of the most advanced security infrastructures in the world, Google Pay uses multiple layers of security to safeguard your payment information and keep your account safe.

Additionally, through a process called tokenization, Google provides the merchant with a virtual credit card number at the time of payment, ensuring that your card information is never shared. Furthermore, Google maintains fraud prevention teams and protocols that monitor suspicious activity. If you are concerned about your phone being lost or stolen, you can always remotely lock it.

Conclusion: Use Google Pay Without Debit Card

Users now have access to a whole new level of convenience thanks to Google Pay’s card-free ATM options. With the option, you can set up a UPI PIN without a debit card and transfer money. Consumers can now transact banking securely and seamlessly from their smartphones.

Posted by
Sanket Goyal

Sanket has been in digital marketing for 8 years. He has worked with various MNCs and brands, helping them grow their online presence.

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