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UPI

UPI

Indian Instant Payments

VS

Google Pay

Android Mobile Payments

Google Pay
Fees from
Free for users vs Free for consumers, merchant fees via processor
Features

1 shared

1 unique to UPI
Regions

1 shared

3 unique to Google Pay
Pay methods

1 shared

3 unique to UPI · 3 unique to Google Pay

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2 features · 7 payment methods · 4 regions. We don't rank these — they're here for reference.
UPI UPI
Google Pay Google Pay
Quick Facts
Fees
Standard transaction rate
Free for users
Free for consumers, merchant fees via processor
Settlement
Time to receive funds
Instant
Same day
Founded
2016
2015
Headquarters
Mumbai, India
Mountain View, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
UPI leads (2 vs 1)
Instant Payout
✓
✓
Low Fees Unique
✓
—
Payment Methods
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Google Pay Unique
—
✓
Mobile Payment Unique
✓
—
Qr Code Unique
✓
—
Upi Unique
✓
—
Regions
Google Pay leads (4 vs 1)
Asia
✓
✓
Europe Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓

UPI is best when you...

Indian Instant Payments
Need Low Fees
Not available with Google Pay
View UPI

Google Pay is best when you...

Android Mobile Payments
Want coverage in Europe, North America, Oceania
UPI doesn't cover these regions
View Google Pay

Frequently Asked Questions

What is the difference between UPI and Google Pay?
They share 1 payment method and 1 region. UPI adds Mobile Payment, QR Code, UPI that Google Pay does not list; Google Pay adds Credit Card, Debit Card, Google Pay that UPI does not list; Google Pay also covers Europe, North America and 1 more; only UPI offers Low Fees.
Which is cheaper, UPI or Google Pay?
UPI has published rates from Free for users; Google Pay has published rates from Free for consumers, merchant fees via processor. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use UPI and Google Pay?
UPI lists 1 region and 4 payment methods; Google Pay lists 4 and 4. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do UPI and Google Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; UPI settles in Instant, Google Pay in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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