In Google Pay, you can set up UPI without a debit card. First, download the app and register yourself. Then, go to the ‘Payment methods’ tab and select your bank account. After verifying your bank account, select ‘Aadhar-based’ verification and enter the first six digits of your Aadhar Card. Next, enter the OTP to verify your Aadhar Card and set up a UPI PIN. Once the UPI PIN is set, you can start using the Gpay app to make payments.