Google Pay introduces Aadhaar-based UPI activation for users

Google Pay has recently launched Aadhaar-based UPI registration, allowing users to set up their UPI PIN without a debit card. This new feature, facilitated by the National Payments Corporation of India (NPCI), aims to enhance user convenience and further financial inclusion.

How it works?

Users of Google Pay now have the option to choose between a Debit card or Aadhaar-based UPI onboarding.

If they opt for Aadhaar, they simply need to enter the first six digits of their Aadhaar number to initiate the process.

To complete the authentication step, users will enter One-Time Passwords (OTPs) received from UIDAI (Unique Identification Authority of India) and their respective banks. The bank will then finalize the process, enabling users to set their UPI PIN.

It is important for users who wish to onboard UPI via Aadhaar to ensure that their phone number registered with UIDAI matches the one registered with their bank and that their bank account is linked to Aadhaar. This verification process guarantees the safety of users' Aadhaar numbers. Google Pay acts solely as a facilitator by sharing the Aadhaar number with NPCI for validation without storing the information.

Which bank Aadhaar-based UPI activation supports?

Supported by several banks, including Punjab National Bank, Canara Bank, IndusInd Bank, and UCO Bank, among others. By leveraging the extensive coverage of Aadhaar, which is used by over 99.9% of India's adult population, Google Pay said it aims to bring UPI services to a larger user base and promote financial inclusion.

Once users have completed the Aadhaar-based UPI activation process, they can utilize the Google Pay app to make transactions and check their balance seamlessly. The introduction of this feature marks a significant step towards enhancing the accessibility and convenience of digital payments for users across the country. 

Google Pay's initiative aligns with the Indian government's vision of a digital and cashless economy. 

In conclusion, Google Pay's introduction of Aadhaar-based UPI activation brings greater convenience to users by eliminating the need for a debit card during the registration process. This initiative is expected to promote financial inclusion further and bolster the adoption of digital payment solutions across India.

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