Google Pay Send: A Simple Guide to Sending Money

Smartphone with Google Pay on laptop for online shopping convenience.
Credit: pexels.com, Smartphone with Google Pay on laptop for online shopping convenience.

Google Pay Send is a convenient way to send and receive money. It's integrated into the Google Pay app, making it easy to access and use.

To send money, you need a Google Pay account and a bank account linked to it. This allows you to transfer funds directly from your bank account to the recipient's account.

You can send money to anyone with a U.S. bank account, but you need to know their email address or phone number to do so. This makes it easy to send money to friends and family.

The recipient can then claim the money in their Google Pay account, and transfer it to their bank account if needed.

Consider reading: B of a Mobile Banking App

How to Use Google Pay Send

Using Google Pay Send is a straightforward process, and I'm happy to walk you through it. The first step is to open the Google Pay app on your device and tap the "Send or request" button at the bottom.

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You'll then be prompted to connect your Gmail account, which is a crucial step as other Google Pay users will be able to search for you using your Gmail details. This is also where you'll be asked to verify your phone number.

To find the recipient you want to send money to, you can search for their Google Pay username, email address, or phone number using the "Find people to pay" option on the Pay home screen. Alternatively, you can scan their QR code using your phone camera.

Once you've selected your recipient, you'll be presented with three options: Pay, Request, or Message. For sending money, you'll tap "Pay" and enter the amount you want to send. Don't forget to add a note for your recipient!

If this is your first Google Pay money transfer, you'll be prompted to add a payment method at this point. You can choose between a debit card and a bank account as your payment option. If you have used Google Pay before, you may already have available funds in your Google Pay balance that you can use as payment instead.

Here are the transfer speeds you can expect, depending on the payment method you use:

Keep in mind that if the recipient doesn't already use Google Pay, they have 14 days to create an account and claim the payment, or else it will be returned to you.

Sending Limits and Options

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Sending money on Google Pay is a breeze, and it's free if you're using a debit card or linked bank account in the US.

You can send money to anyone, but if you're sending to individuals, it's best to use the "People" payment option, which is located on the "Pay" home screen.

Who Can I Send?

You can send money to individuals through Google Pay, which is recommended for sending and receiving money between friends, family, colleagues, and others.

The People payment option is the way to go for personal transactions.

You can also send money to businesses, but that's a different story.

The Businesses payment option is for sending money to merchants or companies.

Suggestion: Ach Bank Payment

Cost to Send

The cost to send money with Google Pay can vary depending on the payment method used. There are usually no fees to send money on Google Pay in the US if you're using a debit card or linked bank account.

Person Paying Using Her Smartwatch
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If you're using a credit card, be aware that there's a fee of 2.9%. Additionally, instant transfers come with a fee of 1.5% or $0.31, depending on the amount.

Google Pay is free to download, and sending money to other active users doesn't cost anything. However, you should keep an eye out for these extra fees when making a money transfer.

Here's a breakdown of the fees you might encounter:

Delivery and Timing

You can send money with Google Pay through your bank account, a Google Pay balance, or using a linked debit card. The fastest transfers are funded with a debit card or Google Pay balance.

Pay by debit card or using your Google Pay balance for the fastest delivery time.

International and Domestic

Google Pay Send is a convenient way to transfer money to friends and family. You can send money to someone anywhere in India if they have a VPA or UPI ID through any UPI application.

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To send money, open Google Pay and search for the receiver's VPA, UPI ID, or phone number. Select the receiver and tap Pay to proceed.

You can also scan a QR code to send money quickly. To do this, tap Scan any QR code on the Google Pay app.

If you need to send money to someone who doesn't have a VPA or UPI ID, you can enter their bank account details to send them money. To do this, tap Bank transfer on the Google Pay app.

Here are the steps to enter bank account details:

1. Enter the receiver's bank account number and IFSC code.

2. Tap Continue and follow the instructions on the screen.

Note that you only need to enter your UPI PIN to send money, not to receive it. After the money has been sent, you'll get a notification on Google Pay and an SMS from your bank with the debited amount.

Frequently Asked Questions

Is there a fee to send money on Google Pay?

No, there is no fee to send money on Google Pay. Sending money is free, but check the recipient's bank fees

Timothy Gutkowski-Stoltenberg

Senior Writer

Timothy Gutkowski-Stoltenberg is a seasoned writer with a passion for crafting engaging content. With a keen eye for detail and a knack for storytelling, he has established himself as a versatile and reliable voice in the industry. His writing portfolio showcases a breadth of expertise, with a particular focus on the freight market trends.

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