Now, you can set your UPI PIN without a debit card on Google Pay: here’s how

  • Google Pay has rolled out support for the Aadhaar-based UPI onboarding method.
  • This service is currently available to some banks at the moment.
  • The company claims that in this process, Google Pay does not keep the Aadhaar number.

If you are struggling to set your Unified Payments Interface (UPI) PIN without a debit card, there’s a new alternative. Mobile payment service Google Pay now lets people sign up for UPI through the National Payments Corporation of India (NPCI) using their Aadhaar numbers.

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The company said that with the Aadhaar-based UPI onboarding method, people who use Google Pay wouldn’t need a debit card to set up their UPI PIN. This service is currently available to customers of banks who accept it. More banks are likely to follow suit soon.

Setting UPI PIN without a debit card


If a user wants to use UPI through Aadhaar, they must make sure that:

  • Their bank and UIDAI share the same phone number.
  • Aadhaar is linked to their bank account.

After that, Google Pay users will be able to choose between using a debit card or their Aadhaar number to sign up for UPI. And, if they choose Aadhaar:

  • Users must enter the first six digits of their Aadhaar number in order to start the process.
  • They will have to enter the OTPs they got from UIDAI and their bank to finish the identification step.
  • Then, their bank will finish the process, and they will be able to set their UPI PIN.
  • Then, customers will be able to use the Google Pay app to buy things or see how much money they have.
  • After a user enters the first six digits of an Aadhaar number, the number is sent to UIDAI for approval through NPCI.

According to the company, this process keeps the user’s Aadhaar number safe. Google Pay does not keep the Aadhaar number. Instead, it helps the Aadhaar number get to the NPCI so that it can be validated.