App details
Latest (see Google Play)
October 14, 2026
Google LLC
Finance
Android
Free
com.google.android.apps.nbu.paisa.user
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About Google Pay
Google Pay lets you link your bank account through UPI and pay shops, friends and bills from your phone. It works by sending money directly between bank accounts, using a UPI ID or QR code.
Safe-use checklist
- You only enter your UPI PIN when you are sending money. If any screen asks for your PIN to receive money, stop.
- Check the name that appears before confirming a payment.
- Never install a "screen sharing" app because a caller says it is needed to fix a payment.
Our guides on common UPI scams and how UPI works explain these points in detail.
Good to know
The app is free for normal UPI payments. Fees and limits can change and are set by banks and regulators, so check your bank for the current rules.
Our take
Google Pay is easy to use, which is both its strength and the reason people lose money on it. Almost every UPI fraud works by tricking the user into approving a payment or entering a PIN, not by breaking the app. Learning two rules removes most of the risk: the PIN is only for sending money, and a stranger asking you to scan or approve something is a red flag.
An everyday example
A shopkeeper shows a QR code and the customer scans it, checks the shop name on the screen and only then enters the PIN. If a buyer on an online marketplace asks you to scan a code to receive money, that is the classic trick and you should refuse.
Alternatives and related reading
Compare the layout with PhonePe or the NPCI app BHIM; they all use the same UPI system. Read how UPI works and common UPI scams.
Common questions
What if I sent money to the wrong person?
Report it in the app and to your bank straight away. A return is not guaranteed, but quick action improves your chances.
Is it safe to keep several UPI apps?
It is fine, but each app is one more place to monitor. Most people do well with one or two.
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