Make payments with Tap & Pay on UPI

With the new Tap & Pay on UPI feature in Google Pay, you can tap your phone to initiate payments to merchants.

UPI Tap and Pay

What’s new

Along with current UPI payment modes like Scan & Pay, Pay to Contact or UPI Number, Google Pay has launched the Tap & Pay on UPI feature. This feature is a new method to make contactless payments with UPI. It’s convenient as it only involves a simple tap to start the payment.

Who can use Tap & Pay on UPI

Users with NFC-enabled Android devices
Users with active forms of UPI payments in their Google Pay account

Tip: If you haven't added a payment method like credit card or bank account, install the app and add your bank account or any other suitable UPI payment method.

Where you can use Tap & Pay on UPI

You can tap and pay your UPI transactions to merchants who have:

UPI NFC tag

NFC tag

QR code sticker with UPI NFC tag

NFC QR code sticker

Smart Soundpod with UPI NFC tag

Smart Soundpod with NFC tag

Tip: To know whether a merchant’s device accepts tap transactions on UPI, check for the Tap & Pay symbol located in the middle of the QR code .

Get started with Tap & Pay on UPI

Important: When you tap and pay through UPI, if you've sufficient UPI Lite balance then it will be used for transactions below ₹500. If UPI Lite can't be used, then you can select other UPI payment methods.

Ensure NFC is turned on.
Make sure you have an active UPI payment method. Supported methods include: Bank account, UPI Lite, Rupay credit card, Credit line.
If you plan to use UPI Lite, ensure you have sufficient balance.

On your mobile device, open the Google Pay app .
On your home screen, tap Tap & Pay .
Ensure you are on the "UPI" tab.
Enter the amount to be paid.
Tap Next .
Tap your phone on the receiver’s NFC-enabled device.
Select the payment method you want to use.
Tap Pay [amount].
To complete the transaction:
- If the amount is greater than ₹500 or if you don’t have a UPI Lite account, enter your UPI PIN.
After a successful transaction, you can either tap Share screenshot or Close.

Tip: For a smooth transaction, ensure that your payment method has sufficient balance and ready for payments.

Pay faster with UPI Lite

Set up UPI Lite so you can tap and pay PIN-free for payments less than or equal to ₹500.

On your mobile device, open the Google Pay app .
On your home screen, tap Tap & Pay .
Ensure you are on the "UPI" tab.
Enter the amount to be paid.
Tap Next .
Tap your phone on the receiver’s NFC-enabled device.
- For payments less than or equal to ₹500 INR, UPI Lite account is automatically selected.
Tap Pay [amount].
After a successful transaction, you can either tap Share screenshot or Close.

You will not be able to use your UPI Lite account for UPI Tap & Pay payments if:

You haven’t enabled your UPI Lite account
The transaction is more than ₹500
Your UPI Lite account has insufficient balance

Tips:

Tap & Pay (offline) is available only for UPI Lite users who have activated offline payments.
To transact offline on UPI, in the balance screen, click on Activate offline payments.

Helpful information

How to turn NFC on

Before a transaction, if your NFC isn’t turned on yet, you’re asked to turn it on.

On the pop-up screen, tap Turn on NFC.

Turn on NFC

On the NFC home screen, turn on Use NFC.

Turned ON NFC

Go back to the Google Pay app.
Enter the payment amount.

Enter amount

Device has no NFC feature

To make Tap & Pay transactions on UPI, you must use NFC-enabled Android phones. If your Android phone doesn’t have an NFC feature, continue with other payment modes such as Scan & Pay.

UPI PIN requirements

UPI Lite: For payments below ₹500, you will not need to enter UPI PIN.

Other UPI payment methods: You will be asked to enter your UPI PIN for all payment methods, as with any other UPI payment flow.