HOW TO CONNECT CREDIT CARDS TO UPI PAYMENT APPS

A credit card is commonly known as plastic money, and that is evident because a single piece of plastic can help you anywhere in whatever way, whether is it shopping or booking a flight. However, we sometimes don’t even like to carry this plastic card, what we do have, always, with us is our phones. Through UPI payment apps like Paytm, Google pay, and Phone pay, we just tap, scan, and pay, anytime and anywhere we like.

Benefits of making UPI transactions using a credit card

1. Flexible

Credit Card payments can be made at a future date, giving customers plenty of time to make financial arrangements. Their buying decision won’t be affected by their current financial situation.

2. Quicker Transactions

Users will no longer have to bring their purses or credit cards when they go out to shop thanks to this innovative breakthrough. Everything that is needed to complete a purchase is their smartphone and the appropriate UPI PIN. Purchases will be completed very quickly and conveniently as a result. Since people won’t need to remember to use numerous cards, it will certainly be much simpler. Making a transaction only requires your UPI ID and PIN.

How to connect credit cards to different UPI apps

1. Google pay

• Start Google Pay on any smartphone.
• After selecting Bank Accounts and Cards, proceed to Add Card by tapping on your profile photo.
• Insert the account holder’s name, billing information, CVV, expiration date, and card number.
• Hit “Save.” Following that, users must agree to the bank’s policies and terms.
• To confirm the card, Google Pay would get in touch with your lender.
• The manner of confirmation is your choice.
• Further verification would be requested from you through OTP.
• Users may type the OTP themselves or have it checked automatically.
• To confirm your fresh card’s payment option on Google Pay, click the “Activate” option.
• Once you provide your one-time passcode, the entry of your card would be verified.

2. Paytm

• Start the Paytm mobile application, then tap on your profile photo in the top-left area of the home page to access the profile page.
• Users can select from a wide range of choices on the left column which surfaces. To add your credit card to your Paytm profile, select “Payment Settings” from the menu.
• The next step is to choose the “Saved Cards” option.
• On the following page, users can view a collection of the cards they have contributed. Under one of that card information, select the “Add New Card” option.
• cardholders will then receive notification that Paytm is going to charge Rs. 1 from their freshly enrolled card. This is performed to verify the details on your credit card. Kindly remember that during the following 48 hours, the Rs. 1 taken will be returned to your credit card. Click the “Proceed” option.
• Individuals will be requested to input their selected card details on the next page. You should select the choice next to “Save this card for future payments.”
• Make an Rs. 2 transaction using your fresh credit card to continue.
• When the money is transferred and the information is confirmed, your fresh card would be safely added to your Paytm account.

3. Phone pay

• Using your smartphone, launch the PhonePe application. In the top left area, you can see your profile photo. Select the symbol of your profile photo.
• You must pick “View All Payment Methods.”
• Choose Credit Cards. Here on the screen, there’s an option to “Add Card.” Next, click “Add Card.”
• Choose “Add” from the menu. An OTP would be sent to the cellphone number you provided.  Carefully input the OTP and press “submit”. After that, PhonePe would securely add your payment card. You may add additional cards by performing the instructions above.

Also Read:- Some Important Credit Card Terms

BOTTOM LINE

There are numerous benefits to linking your credit card to a UPI app. To add your credit card to your UPI app of choice, simply follow the directions above.