Don't lose money and wait! Here's a smart way to prevent Google Pay payments from failing

 

The number of UPI (Unified Payment Interface) transactions is increasing day by day. Many people use UPI for day-to-day needs. According to the figures, 11.24 billion UPI transactions took place in the country last month. Apps like GooglePay, PhonePay, and Paytm all played a big role in this.

The advantage of UPI apps is that you can transfer money very easily. But despite being a very convenient way, at some point, UPI transactions become a headache. Especially Google Pay. Many people complain that Google Pay transactions often fail.

Often remittances fail to make payments on time. Also, funds are deducted from the sender's bank account but the UPI user does not receive the money to the intended recipient. At such stages, we worry about losing money.

Refunds will be made even if the payment fails. But sometimes it took a long time. Google Pay users have attested to several instances of payment failure. But there is a smart way to avoid such payment failures and avoid waiting for lost money to be returned, and that is Smart Routing.

What is Smart Routing: Everyone's UPI IDs are linked to their bank accounts. Payments are processed through bank servers. UPI payments can fail due to various reasons like server failure, overload or other technical issues, and poor internet. Smart routing helps to avoid such problems.

Smart routing is enabled through multiple UPI IDs. An additional UPI ID improves the payment success rate of users as it routes your transaction through another functional server. That is, if a UPI ID route is not available for payment, the UPI app will automatically select another route.

Smart routing works like if our main route to the destination is blocked, we take the other available routes to reach the destination. To put it a little more simply, it's like if our regular route from home to the office is blocked, we get there by other routes.

Amidst the rush of generating numerous digital transactions, alternative UPI IDs will help enable payment through a less congested route. Here if a route (or UPI ID) is temporarily unavailable, the system smoothly routes your payment through another available UPI ID.

One can add up to four UPI IDs with one bank account. An additional UPI ID will reduce the incidence of payment delays or failures. Additional UPI IDs can be created while setting up a new account. Additional IDs can be added even after account creation.

Here's how to create an additional UPI ID on Google Pay: Open the Google Pay app. Go to Payment Methods. Then select Bank Account. Then use the Manage UPI ID option. Creating additional UPI IDs will not affect transactions. Can proceed as currently used.