What is the google pay transaction limit: Explained

Is there any Google Pay Transaction Limit guide?

Using our Google Pay guide, we’ll explain how your bank, Google Pay wallet, and UPI application can affect the amount you can send and receive using Google Pay daily, weekly, and monthly.

Table of Contents

Google Pay UPI App transaction limit per day and month?

Here’s what Google Pay transactions limit per day –

Google Pay Transaction Limit
Daily transfer Limit	1,00,000 Rupees.
Daily transaction limit	10 transactions across all UPI apps.
Daily maximum amount request	2000 rupees.

Transferring 1,00,000 rupees in a single day across all UPI apps is the maximum.
There is a 10-time limit per day for sending money across all UPI apps.
You can request up to 2000 rupees through Google App.

A Google Pay transaction limit of 5 lakhs is also available for IPO (Initial Public Offerings) and RDSs (Retail Direct Schemes), according to the National Payments Corporation of India (NPCI).

UPI money transfer limit?

A UPI transaction is currently limited to 2,00,000 rupees by NPCI (National Payments Corporation of India.

ALL Indian banks’ transaction limits on Google Pay UPI App

Sr No.	UPI Transaction by Indian Bank	UPI Transaction Limit in India	UPI Daily Limit by Bank
1	Aditya Birla Idea Payments Bank	100000	100000
2	Airtel Payments Bank	1,00,000	1,00,000
3	Allahabad Bank	25000	100000
4	Allahabad UP Gramin Bank	20000	40000
5	Andhra Bank	100000	100000
6	Andhra Pradesh Grameena Vikas Bank	25000	100000
7	Apna Sahakari Bank	100000	100000
8	Assam Gramin VIkash Bank	5000	25000
9	Axis Bank	100000	100000
10	Bandhan Bank	100000	100000
11	Bank Of Baroda (BOB)	25000	Not set
12	Bank of India (BOI)	10000	100000
13	Bank of Maharashtra	100000	100000
14	Baroda Gujarat Gramin Bank	25000	Not set
15	Baroda Rajasthan Kshetriya Gramin Bank	25000	25000
16	Baroda Uttar Pradesh Gramin Bank	25000	25000
17	Canara Bank	10000	25000
18	Central Bank of India	25000	50000
19	Chaitanya Godavari Grameena Bank	25000	100000
20	Chhattisgarh Rajya Gramin Bank	25000	100000
21	Citibank Retail	100000	100000
22	City Union Bank	100000	100000
23	COASTAL LOCAL AREA BANK LTD	50000	100000
24	Corporation Bank	50000	100000
25	DBS Digi Bank	100000	100000
26	DCB Bank	5000	5000
27	Dena Bank	100000	100000
28	Dena Gujarat Gramin Bank	NA (Merged)
29	Deutsche Bank AG (Web Collect)	NA
30	Dhanlaxmi Bank Ltd	100000	100000
31	Dombivali Nagrik Sahakari Bank	100000	100000
32	Equitas Small Finance Bank	25000	100000
33	ESAF Small Finance Bank	100000	100000
34	Federal Bank	100000	100000
35	FINO Payments Bank	100000	100000
36	G P Parsik Bank	100000	100000
37	HDFC Bank	100000 (RS 5000 for new customer)	100000
38	Himachal Pradesh Gramin Bank	50000	50000
39	HSBC Bank	100000	100000
40	Hutatma Sahakari Bank Ltd	100000	No limit
41	ICICI Bank	10000 (25000 for Google Pay users)	10000 (25000 for Google Pay users)
42	IDBI Bank	25000	50000
43	IDFC Bank	100000	100000
44	India Post Payment Bank	25000	50000
45	Indian Bank	100000	100000
46	Indian Overseas Bank	10000	20000
47	IndusInd Bank	100000	100000
48	J&K Grameen Bank	20000	20000
49	Jalgaona Janata Sahkari Bank	100000	100000
50	Jammu & Kashmir Bank	20000	20000
51	Jana Small Finance Bank	10000	40000
52	Janta Sahakari Bank Pune	100000	100000
53	Jio Payments Bank	100000	100000
54	Karnataka Bank	100000	200000
55	Karnataka Vikas Grameena Bank	25000	25000
56	Karur Vysaya Bank	100000	100000
57	Kashi Gomti Samyut Gramin Bank	100000	100000
58	Kaveri Grameena Bank	25000	25000
59	Kerala Gramin Bank	20000	20000
60	Kotak Mahindra Bank	100000	100000
61	Langpi Dehangi Rural Bank	10000	100000
62	Madhya Bihar Gramin Bank	25000	100000
63	Maharashtra Grameen Bank	25000	100000
64	Manipur Rural Bank	10000	10000
65	Meghalaya Rural Bank	100000	100000
66	Mizoram Rural Bank	25000	100000
67	Oriental Bank of Commerce	100000	100000
68	Paschim Banga Gramin Bank	5000	25000
69	Paytm Payments Bank	100000	100000
70	Pragathi Krishna Gramin Bank	20000	20000
71	Prathama Bank	10000	50000
72	Punjab and Sind Bank	10000	10000
73	Punjab Gramin Bank	10000	25000
74	Punjab National Bank	25000	50000
75	Purvanchal Bank	25000	100000
76	Rajasthan Marudhara Gramin Bank	25000	25000
77	Rajkot Nagari Sahakari Bank Ltd	100000	100000
78	Sarva Haryana Gramin Bank	50000	100000
79	Sarva UP Gramin Bank	50000	100000
80	Saurashtra Gramin Bank	20000	100000
81	Shree Kadi Nagarik Sahakari Bank Ltd	100000	100000
82	South Indian Bank	100000	100000
83	Standard Chartered	100000	100000
84	State Bank of India	100000	100000
85	Suco Souharda Sahakari Bank	100000	100000
86	Suryoday Small Finance Bank Ltd	100000	100000
87	Suvarnayug Sahakari Bank Ltd	100000	100000
88	Syndicate Bank	10000	100000
89	Tamilnadu Mercantile Bank	20000	100000
90	Telangana Gramin Bank	25000	100000
91	Thane Bharat Sahakari Bank	100000	100000
92	The Kalyan Janta Sahkari Bank	100000	100000
93	The Lakshmi Vilas Bank Limited	100000	100000
94	The Malad Sahakari Bank Ltd	10000	50000
95	The Nainital Bank Ltd	20000	40000
96	The Ratnakar Bank Limited	25000	25000
97	The Thane Janta Sahakari Bank Ltd (TJSB)	100000	100000
98	The Vishweshwar Sahakari Bank Ltd	100000	100000
99	Tripura Gramin Bank	10000	10000
100	UCO Bank	100000	100000
101	Union Bank of India	100000	200000
102	United Bank of India	25000	60000
103	Uttarakhand Gramin Bank	25000	100000
104	Vijaya Bank	25000	50000
105	YES Bank	100000	100000

Click here to complete details about remaining Indian UPI bank transaction limits and how they operate.

Google Pay Transfer Limit – How to increase it?

Many businesses will find it challenging to accept multiple payments throughout a day due to the maximum GPay per day limit. A merchant would be required to accept payments in massive amounts. Google Pay merchant transactions are not limited by the daily limit of transactions per day, so there is no limit to the number of transactions per day.

Two methods will help to increase your GPay limit per day directly through Google.

A Google Pay representative can assist you in extending your GPay daily limit if you reach out to them. They will take the necessary steps and inform you.
The second step is to respond to the warning email when you reach the daily limit of GPay, given that you have opted to receive payment-related emails. You can request to raise the GPay daily limit by replying to this warning email. Your GPay per day limit will increase once Google approves your request.

What are the Steps to go beyond the Google Pay transaction limit?

A merchant has to accept payments and transfer funds multiple times a day, and the maximum transaction limit in Google Pay can be a barrier.

Google Pay does not have a transaction limit for peer-to-peer transactions. Customers who wish to pay a merchant more than once are free to do so. Customers can also make as many transactions as they want to.

Paying with UPI has become a preferred payment method for businesses as it has grown in popularity. With a payment gateway like Easebuzz, you can easily accept and disburse UPI payments.

There was a 7.7% increase in UPI transactions in India from 678 crores to 730 crores, and the total value reached over Rupees 12.11 lakh crore in October 2022. UPI platforms such as Gpay and Phonepe currently dominate the market with approx. 80% share.

The ease of using UPI as a payment method is a benefit to businesses. It reduces cart abandonment rates and increases customer satisfaction.

We will examine how UPI can benefit businesses by accepting and disbursing payments.

With payment gateway businesses experience higher profits

Understanding how much a cost of payment gateway charges is crucial for increasing your profits.

Here’s what we mean.

A merchant discount rate (MDR) is a fee you pay to the payment gateway for each transaction with a customer. Interestingly, UPI transactions through apps like Google pay, Phonepe, or Paytm have a 0% merchant discount rate. As a result, businesses receive a higher profit since no MDR gets deducted from settlements.

Depending on the payment gateway in use, there may also be a one-time setup fee or an annual maintenance fee added to the MDR. However, Easebuzz does not charge its merchants any setup or maintenance fees.

Quick Reconciliation

When using UPI apps such as Google Pay. Paytm or PhonePe, you can easily interact with them, but reconciling them isn’t as easy. You must compare expenses and profits between each payment company and negotiate your payment.

With Easebuzz, you can reconcile your payments by viewing comprehensive dashboards that provide information about the day and time of each transaction, its amount, merchant discount rate, and net settlement amount. In addition, you can filter your Google pay, Paytm, and Phonepe transactions according to their settlement amount or period so that you can create custom reports.

As a final feature, the payment gateway dashboard also provides payment analytics; payment analytics can assist you in understanding transactions and accurately forecasting money flows.

FAQ’s

1. How to increase Google Pay limit?

There are a few ways to increase your Google Pay limit:

Link your bank account. Linking your bank account will increase your limit to Rupee 1 lakh.
Verify your identity. Verifying your identity will increase your limit to Rupee 2 lakh.
Use Google Pay regularly. The more you use Google Pay, the higher your limit will become.
Contact your bank. If you still need a higher limit, you can ask your bank to increase it.

2. How much money can be transferred through Google Pay?

The maximum amount of money that can be transferred through Google Pay depends on a few factors, including your bank, verification status, and payment history. The default limit is Rupee 1 lakh, but you can increase it by linking your bank account, verifying your identity, and using Google Pay regularly.

3. What is the limit of Google Pay?

The limit of Google Pay is the maximum amount of money you can transfer in a single transaction. The default limit is Rupee 1 lakh, but you can increase it by linking your bank account, verifying your identity, and using Google Pay regularly.

4. How to check GPAY limit?

To check your Google Pay limit, you can follow these steps:

Open the Google Pay app.
Tap on the Profile icon.
Tap on Payment Methods.
Tap on UPI.
Your limit will be displayed under the Transaction limit.

5. How much money can we send through Google Pay?

The amount of money you can send through Google Pay depends on a few factors, including your bank, verification status, and payment history. The default limit is Rupee 1 lakh, but you can increase it by linking your bank account, verifying your identity, and using Google Pay regularly.