Fix problems with credit or debit card payments on Google Pay

Your mobile number or email address isn’t available with the card issuing bank. To register your details, contact your bank.

If you change, format, or reset your phone, add all your cards again. To protect payment information and reduce security risks, Google Pay uses tokenization to save your card. This process replaces sensitive information like a card number, expiry date, and CVV with a device-specific token. The token acts as a substitute value used to process payments. Since card tokens are device-specific, you must tokenize your cards again on your new device.

Ensure that you add a valid card. If it’s still unsuccessful, it could be due to one of these reasons:

• Your card isn’t supported on Google Pay.
• You entered incorrect card information.
• Technical issues occurred.
  • Try again after 2–4 hours.

If you continue to encounter issues, contact your bank.

This could occur due to either of the two reasons listed below:

• Your card isn’t supported for the payment type that you want to make.
  • Cards aren’t supported for peer payments like pay to friends or family. You can use UPI on Google Pay instead.
• Your physical card is blocked.
  • Contact your bank.

1. On your mobile device, open the Google Pay app .
2. At the top right, tap your Profile picture or initial.
3. Tap Bank accounts.
4. Tap the card you want to remove.
5. At the top right, tap More More and then Remove card and then Continue.

Tips:

• If you remove your cards from Google Pay, all forms of card payments will be unavailable.
• To deregister your card on a use case basis, contact your bank.

Important: Reserve Bank of India’s directive with effect from October 1, 2020 mandates that Indian debit or credit cards will be blocked if:

• Newly issued cards aren’t activated within the stipulated time frame.
• Cards were never used for online or contactless payments within the stipulated time frame.

Activate contactless payment settings for your card through the issuing bank’s mobile app or internet banking. For more details, contact your bank.

Once activated, set your default "Tap & Pay" card.

1. On your Android device, open the Google Pay app .
2. Tap your Profile picture and then Pay with credit or debit cards.
3. Under "Other ways to pay," find your cards.
4. Tap any card.
   • Under any of your added cards, find "Default Tap & pay card."
5. To change your default card, tap the card you want to use.

You can’t use credit cards to send money. You can set your credit card as a primary form of payment for transactions with merchants and billers.

Tip: You can add your credit card without adding a bank account on Google Pay. However, credit cards can only be used for transactions with merchants and billers.

If your card supports international transactions, you can use it in foreign countries through Google Pay. To use your card for international payments, enable international transactions. Contact your card issuing bank.

For all merchant transactions

This applies to transactions made through:

• Tap & Pay
• Bharat QR
• Online merchant payments

Contact your bank if either:

• The transaction failed but the card is charged
• The transaction succeeded but fulfillment of the order by the merchant failed, and the merchant claims they didn’t receive the funds

Contact the merchant if either:

• The transaction is successful but the order isn’t fulfilled
• There are other issues, like:
  • Order cancellation
  • Return of goods and services
  • Late delivery

For bill payments & recharge transactions

In the Google Pay app , raise a dispute.

1. On your mobile device, open the Google Pay app .
2. In the "Business section," tap the specific biller.
3. Tap the specific transaction.
4. Tap Raise Dispute.
   • Select the reason.

Your issue will be resolved within 7 business days.

To deactivate the card, contact your bank.

• To deactivate all your cards in Google Pay, lock your device with Android device manager.
  • You can also select "Wipe out the device." Instead of deactivating them, Google Pay will remove the cards from the device.

Important: Reserve Bank of India’s directive with effect from October 1, 2020 mandates that Indian debit or credit cards will be blocked if:

• Newly issued cards aren’t activated within the stipulated time frame.
• Cards were never used for online or contactless payments within the stipulated time frame.

Activate contactless payment settings for your card through the issuing bank’s mobile app or internet banking. For more details, contact your bank.

Add an add-on credit card on Google Pay

You can add an add-on credit card from a bank that Google Pay supports.

Set transaction limits

To set or modify the individual transaction and daily transaction limits of your cards, log in to your banking app or contact your bank.