Rant about Google Pay

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Deal Newbie
arpit.ak.kum...

This stupid Google gave me anxiety. I made a UPI payment of Rs 400 at a store which could not be processed and now I cannot cancel it. It says it might be processed after 2 days.

What the hell? I couldn't leave without paying so I paid with cash and now my 400 might also get deducted. I am uninstalling this app.

What else can you expect from such big companies like Google, Microsoft, Apple

My payment is showing failed now 😊. It seems like my shopkeeper's UPI id was inactive so I got saved.


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Deal Cadet Deal Cadet
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When out of station payment pending give pain.. shopkeeper wont leave you and after sucess you wont go to take back..once i had issue just 15 km far from home. 70 rs only .. payment stuck and sucess later same day . But i paid cash also.. but who want go 15km for 70 rs.. it should be always fail or sucess. not pending.. else its issue.. 
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Use always Paytm UPI + link with Paytm bank.

Anyways UPI fund transfer timed out or pending? NPCI developing real-time fix - https://www.desidime.com/discussions/upi-fund-t...

Banks that currently take more than 24 hours to unblock funds stuck due to failed UPI transactions will be able to do so in less than 30 seconds.

"The NPCI is working on a system that will allow banks to know if the money debited has been credited to the receiver or not; all this can be done in less than 30 seconds and the money can be reversed,"

Coupon Baba Coupon Baba
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arpit.ak.kumar534 wrote:

This stupid Google gave me anxiety. I made a UPI payment of Rs 400 at a store which could not be processed and now I cannot cancel it. It says it might be processed after 2 days.

What the hell? I couldn't leave without paying so I paid with cash and now my 400 might also get deducted. I am uninstalling this app.

What else can you expect from such big companies like Google, Microsoft, Apple

Always use paytm ot phonepe Or Amazon pay don't use gpay avoid it 

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arpit.ak.kumar534 wrote:

This stupid Google gave me anxiety. I made a UPI payment of Rs 400 at a store which could not be processed and now I cannot cancel it. It says it might be processed after 2 days.

What the hell? I couldn't leave without paying so I paid with cash and now my 400 might also get deducted. I am uninstalling this app.

What else can you expect from such big companies like Google, Microsoft, Apple

Always use paytm ot phonepe Or Amazon pay don't use gpay avoid it 

Deal Cadet Deal Cadet
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These things happen with Paytm / PhonePe as well. While Paytm UPI coupled with Paytm Bank account could be the best in terms of success rates, failures can occur due to the receiver's bank. Happened to me at multiple shops on the same day - thankfully shopkeepers trusted me and let me go. I left my phone number with them for assurance. The payment took 48 hours to complete successfully.

Deal Subedar Deal Subedar
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True, gpay has serious issues. Have faced problems on Amazon orders with payment on delivery too. Other apps work fine. Now-a-days always avoid gpay.

Deal Newbie Deal Newbie
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gischethans wrote:

These things happen with Paytm / PhonePe as well. While Paytm UPI coupled with Paytm Bank account could be the best in terms of success rates, failures can occur due to the receiver's bank. Happened to me at multiple shops on the same day - thankfully shopkeepers trusted me and let me go. I left my phone number with them for assurance. The payment took 48 hours to complete successfully.

No. On PayTM the transaction gets cancelled. PayTM's customer support is non-existent too but at least your transactions aren't kept in pending

Deal Newbie Deal Newbie
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gischethans wrote:

These things happen with Paytm / PhonePe as well. While Paytm UPI coupled with Paytm Bank account could be the best in terms of success rates, failures can occur due to the receiver's bank. Happened to me at multiple shops on the same day - thankfully shopkeepers trusted me and let me go. I left my phone number with them for assurance. The payment took 48 hours to complete successfully.

I deleted my UPI id from Google Pay. Will that stop the payment from happening?

Deal Cadet Deal Cadet
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I deleted Gpay. They need to introduce custom UPI ids. All my banks have random -1 or -3 or whatever after each UPI id. And there is no way to recover earlier UPI ids. 

Deal Subedar Deal Subedar
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MONISH_RAI wrote:

Always use paytm ot phonepe Or Amazon pay don't use gpay avoid it 

I tried to pay 4000 once from Paytm UPI and the transaction was showing me pending and the shopkeeper didn't agree, so I paid cash and requested him to pay me back if it's gets success.😅

After 24 hours, it went through. Went back to collect cash from store.

Deal Subedar Deal Subedar
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anything which shows processing will be refunded, dnt worry... now gpay is not like earlier, pay again without any tension.. 

Deal Cadet Deal Cadet
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arpit.ak.kumar534 wrote:

No. On PayTM the transaction gets cancelled. PayTM's customer support is non-existent too but at least your transactions aren't kept in pending

Just this Friday, I was using UPI to transfer using Amazon Pay from my SBI to IDFC First. IDFC's own UPI ID/VPA was failing/payment entirely getting cancelled so made IDFC default for Paytm UPI and tried. Transaction got stuck as "pending" due to receiver bank issues (IDFC) and got credited 48 hours later.

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Use always Paytm UPI + link with Paytm bank.

Anyways UPI fund transfer timed out or pending? NPCI developing real-time fix - https://www.desidime.com/discussions/upi-fund-t...

Banks that currently take more than 24 hours to unblock funds stuck due to failed UPI transactions will be able to do so in less than 30 seconds.

"The NPCI is working on a system that will allow banks to know if the money debited has been credited to the receiver or not; all this can be done in less than 30 seconds and the money can be reversed,"

Finance Ninja Finance Ninja
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Did you ask the store for money back?
Deal Subedar Deal Subedar
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Google Pay is one of the worst apps for UPI payments, the only reason people use it , is because its from Google.

Paytm has never failed for me, phonepe is pretty good as well.

Critic Critic
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Paytm UPI, though it too has some minor failures, stands 1st in terms of success rates.

In 2019 once used BHIM UPI app by NPCI to transfer 4k, after entering pin it showed error that something went wrong please try again later, so i kept on trying again by entering upi pin. After a while i received 4k amount debit messages for 5 times. So i transferred 20k instead of 4k. Since I knew the shop owner i asked him to transfer back remaining amount.

From then onwards, i made habit to always take few minutes before entering UPI pin again.
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abhishek012 wrote:

Use always Paytm UPI + link with Paytm bank.

Anyways UPI fund transfer timed out or pending? NPCI developing real-time fix - https://www.desidime.com/discussions/upi-fund-t...

Banks that currently take more than 24 hours to unblock funds stuck due to failed UPI transactions will be able to do so in less than 30 seconds.

"The NPCI is working on a system that will allow banks to know if the money debited has been credited to the receiver or not; all this can be done in less than 30 seconds and the money can be reversed,"

One more thing - Real time UPI complaint handling & resolution process for all UPI users starting from 1st October, 2022 - https://www.desidime.com/discussions/upi-real-t...

NPCI also release Reminder on “Final implementation timelines for “ODR – Enhancing Complaint handling & Resolution process for all UPI users” - https://www.npci.org.in/PDF/npci/upi/circular/2...
Deal Cadet Deal Cadet
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When out of station payment pending give pain.. shopkeeper wont leave you and after sucess you wont go to take back..once i had issue just 15 km far from home. 70 rs only .. payment stuck and sucess later same day . But i paid cash also.. but who want go 15km for 70 rs.. it should be always fail or sucess. not pending.. else its issue.. 
Deal Cadet Deal Cadet
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In past it used tp be sucess after 20 days..some transactions while i used to loot paytm upi
Mobile Guru Mobile Guru
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Extension of what @Neo_T has mentioned above -
It's either PP or Paytm.
Just coz GPay is the all time favorite option for everyone they have immense traffic on their network due to which these issues occur....Success rate on PP and Paytm are very high....I've seen people struggling to pay via Gpay app but the payment was processed flawlessly when they switched onto Paytm or PP smile

Mobile Guru Mobile Guru
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MONISH_RAI wrote:

Always use paytm ot phonepe Or Amazon pay don't use gpay avoid it 

I would say Apay also should be avoided coz their servers are cranky sometimes...
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Have faced the same although shop was near hence was able to collect back my money.

But my friend went into the same situation when he was outstation he lost around 1k as after 2 days payment got successful.

Now whenever someone ask me "do you have gpay" I reply "What's that"

Deal Newbie Deal Newbie
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My payment is showing failed now 😊. It seems like my shopkeeper's UPI id was inactive so I got saved

Deal Cadet Deal Cadet
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Phonepe works but sometimes stops due to technical issue from bank side

Deal's Advocate Deal's Advocate
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abhishek012 wrote:

Use always Paytm UPI + link with Paytm bank.

Anyways UPI fund transfer timed out or pending? NPCI developing real-time fix - https://www.desidime.com/discussions/upi-fund-t...

Banks that currently take more than 24 hours to unblock funds stuck due to failed UPI transactions will be able to do so in less than 30 seconds.

"The NPCI is working on a system that will allow banks to know if the money debited has been credited to the receiver or not; all this can be done in less than 30 seconds and the money can be reversed,"

Always use cash .

Deal Subedar Deal Subedar
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Has been using Paytm for the last 6-7 years, be it wallet, payment banks and then UPI payments....never got stuck even once till last week for a rent payment  that only got credited after 48 hrs.. That's why I love paytm......

Critic Critic
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I reinstalled Gpay app. Was registered with only one bank but received messages from 2 additional banks/cards that account has been linked. In banks setting only one bank account (previous one) is showing. 

How to delete the other two?

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