Google Pay is currently one of the most popular UPI-based payments service in India. The app allows you to send money to friends, pay bills, recharge mobile numbers, and more. It also lets you pay at businesses using the Spot platform. Google Pay was also scheduled to get a tokenized card feature, as per an announcement from a year ago, but it’s nowhere to be seen until date. The payment service has, however, started testing NFC-based card payments in India.

For those unfamiliar with tokenized cards, it means Google Pay will assign a virtual account number to safeguard your real credit/ debit card number. All of this data is stored on your Android phone, so you need to set up your cards each time you decide to switch to a new device.