Gpay is also extremely easy to set up in India IFF all your government data is in order. Your bank accounts must have your phone number and Adhaar UID linked. This is usually properly setup if you have a good/proactive bank, because they will pester you to link your phone and UID.
With the above in place, it is just a matter of inputting your phone number into gpay, and it will send and receive a flurry of SMSes, figure out all your bank accounts and their details, and add them into the app. Very seamless and kind of scary.
There is no requirement to link Aadhaar with bank accounts or provide it to banks. That coercion was banned by the Supreme Court in its 2018 verdict. UPI is a mobile solution that requires a mobile phone number that’s linked to one’s bank account. It doesn’t need anything else (other than the account holder’s consent for UPI).
Banks cannot store Aadhaar numbers and allow it to be used for or enable better discovery. Phone number linked to the account is what’s important. Aadhaar is required only if/when receiving government subsidies in one’s bank account. It has nothing to do with person to person transfers.
With the above in place, it is just a matter of inputting your phone number into gpay, and it will send and receive a flurry of SMSes, figure out all your bank accounts and their details, and add them into the app. Very seamless and kind of scary.