Pre-sanctioned credit line on UPI (Google Pay)

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You can now pay for your purchases on Google Pay through a pre-sanctioned credit line.

A credit line is a flexible loan that some banks offer. It works as a pre-approved, set amount of money that you can access when needed.

If you have a pre-sanctioned credit line from your bank, you can set it up as a form of payment on Google Pay. You can use it to pay for select merchant transactions that you make online or through QR scans.

Typically, the bank charges interest for the amount you use from your credit line. For further information, contact your bank directly. To get your bank’s contact details, visit www.digisaathi.info.



After reading this post if you’re still facing errors, then contact Google Pay.

 

Learn: How to Register on Google Pay App.

Offers: Share the Navi App & win cash rewards

Learn: How to apply for pre-approved loans from Federal Bank on Google Pay

Learn: How to apply for pre-qualified loans with DMI Finance on Google Pay.

Learn: How To Add A RuPay Credit Card On Google Pay

Learn: How to Create a new UPI ID on Google Pay

 

Before you add a pre-sanctioned credit line

To use your pre-sanctioned credit line on Google Pay, make sure to:

1. Ensure your bank supports the credit line feature on UPI

To check if your pre-sanctioned credit line is supported on UPI, contact your bank. To get your bank’s contact details, go to www.digisaathi.info.

2. Use the same mobile number with Google Pay and your bank

Use the same registered mobile number for both Google Pay and the bank that issued your credit line.

Tip: If you want to add your credit line to Google Pay with your Aadhaar, your Aadhaar must be linked to the same registered number.

3. Turn on outgoing SMS services

You must send an SMS when you add a credit line on Google Pay. Make sure that you allow outgoing SMS services.

  • If you have a prepaid recharge pack that doesn't have an “Outgoing SMS” option, contact your operator.
  • To check your balance, follow the steps given by your operator.
  • To check your balance with different operators, use these numbers:

Operator

Contact number

Jio

333#

BSNL

*123*1#

Airtel

*121*7#

MTNL

*123#

Tata

*111#

VI

*199*1*8#
  • To check if your outgoing SMS works, try to send an SMS.

4. Have a debit card associated with the credit line

You must have a debit card for the credit line that you want to add. You can also try to use the same debit card issued by the credit line issuing bank. For more information about your debit card, contact your bank.

Example of concerns that only the issuing bank can answer:

  • Which card to use when you have multiple debit cards with the same bank
  • Lost debit card
  • Debit card issued isn’t functional.

Alternatively, you can also add your credit line to Google Pay with your Aadhaar.

 

Learn: How to avail pre-qualified loans with IDFC on Google Pay

Learn: Learn about smart routing with extra UPI IDs on Google Pay

Offers: Invite friends to PhonePe and get Rs. 100 Cashback

Learn:  How To Create Or Find Your UPI ID On Google Pay

Learn: How to Change yourUPI PIN on Google Pay

 

Add a credit line on Google Pay

1.     Open the Google Pay app.

2.     Tap your Profile picture.

3.     Tap Set up payment methods  > Payment methods.

4.     Tap Add credit line.

5.     Select the bank that issued you a pre-sanctioned credit line.

·        An SMS is sent from your mobile device to fetch the credit lines from the issuing bank.

6.     Under “Verify your credit line,” select either Debit card or Aadhaar.

·        For debit cards: Enter the card details.

·        For Aadhaar: Enter the first 6 digits of your Aadhaar.

7.     Create a UPI PIN.

·        Follow the on-screen steps.

·        If you enter a wrong PIN more than 3 times, you must reset your PIN or wait 24 hours to make your next transaction.

·        The PIN you create for a credit line is unique to this form of payment. It differs from the PIN you use for other forms of payment, like bank accounts and RuPay credit cards.

·        If you choose to verify through Aadhaar, you must enter 2 OTPs:

·        Aadhaar OTP

·        Bank OTP

 

Learn: Fix issues with mobile number linked to multiple bank accounts (Google Pay)

Learn: Fix SIM-related errors (Google Pay)

Learn: How to check your bank statement (Google Pay)

Learn: Troubleshoot common issues when you add a bank account (Google Pay)

Learn: How to Change or reset your UPI PIN on Google Pay

 

Use a pre-sanctioned credit line to pay through Google Pay

If you add a pre-sanctioned credit line on Google Pay and make a transaction through QR code or with an online merchant, it shows up as one of the available payment methods. If you want to pay through your added credit line, select this option and follow the on-screen steps.

Tip: If a merchant doesn't accept this form of payment, an error will show on the screen. To complete the transaction, switch to another form of payment, like a bank account, RuPay credit card, or another card that you added to Google Pay.

Check your balance on Google Pay

1.     Open the Google Pay app.

2.     Tap your Profile picture >  Set up payment methods  > Payment methods.

3.     Select the added pre-sanctioned credit line.

4.     Tap Payment method details  > Check balance.

·        You can find the total credit limit and available outstanding balance.

 

Learn: Fix issues with “No bank account found” (Google Pay)

 

Fix problems with your pre-sanctioned credit line

1. Charges for more than one SMS

We send out multiple SMS messages to increase the success rate when you add your pre-sanctioned credit line.

2. SMS trigger

When an SMS is sent to register your attempt to add a pre-sanctioned credit line, it happens in the background. It helps to increase the success rate of adding your credit line to Google Pay. For now, you can’t choose how many SMS are sent.

3. Verify your pre-sanctioned credit line with Aadhaar

To verify your pre-sanctioned credit line with Aadhaar, your bank must support Aadhaar OTP-based onboarding. For more information, contact your bank. To get your bank’s contact details, go to www.digisaathi.info.

Alternatively, you can also verify with your debit card details. This information is sent by your bank to your registered email ID when you avail the credit limit.

4. Common errors encountered during Aadhaar based verification

a.     Mobile number isn’t linked to Aadhaar

To verify your pre-sanctioned credit line on Google Pay using Aadhaar, you must update or link a mobile number with Aadhaar. For more information, visit https://uidai.gov.in. After you complete the update, add your credit line again on Google Pay.

b.    Mobile numbers for Aadhaar & bank account don’t match

To find the mobile number linked to your Aadhaar:

1.     Go to https://uidai.gov.in.

2.     Tap Select preferred language  > My Aadhaar >  Aadhaar services.

3.     Tap Verify email/mobile number.

If the number doesn’t match the one linked to your pre-sanctioned credit line , you must update or link a mobile number with Aadhaar. For more information, visit https://uidai.gov.in. After you complete the update, add your credit line again on Google Pay.

5. Receive money in your credit line account

Credit line accounts can’t receive money through UPI. They can only be used to make payments to merchants, either through QR code or an online transaction.

6. Can’t add a credit line

Common errors when you add a credit line

Error

Solution

SMS errors

If you encounter issues when you send an SMS, check the phone and SMS settings.

To send or receive messages, your phone needs to have a good network connection. If you’re a prepaid mobile user, check your balance.

No credit line found

Confirm if your Google Pay mobile number is the same as the number registered to your credit line.

Mobile number linked to multiple accounts

Consolidate all your accounts in a single customer ID. For any other queries, contact your bank.

SIM removal detected

Check if you reset the device to factory settings or applied changes to the current software. If you have, update your device’s software or firmware settings.

 


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1. What are WhatsApp Group Links?

WhatsApp Group Links are unique invitation links that allow you to join specific WhatsApp groups. These links act as an entry point, granting you access to conversations and interactions happening within those groups.

Here's a breakdown of the concept:

1. Groups in WhatsApp:

  • WhatsApp allows creating groups where multiple people can chat, share messages, photos, videos, and other media.
  • These groups can be private (invite-only) or public (discoverable through search).

2. Invitation Links:

  • For private groups, admins can generate unique invitation links.
  • Anyone clicking on this link and having WhatsApp installed can join the group directly.
  • Sharing these links is a convenient way to invite specific individuals or spread the word about the group.

3. Finding Group Links:

  • Group admins might share the link directly with individuals they want to invite.
  • Some websites e.g. GroupChatOn, Group4WhatsUp and apps compile and list publicly available group links categorized by interests, topics, or regions. However, be cautious of such sources, as the legitimacy and content of these groups can vary.

Important points to remember:

  • Joining a group through a link adds you to the conversation, and your messages become visible to other members.
  • It's crucial to be mindful of the content you share and the groups you join, as some might not be appropriate or safe.
  • Exercise caution when clicking on links from untrusted sources, as they might lead to malicious groups or scams.

I hope this explanation clarifies the concept of WhatsApp Group Links. If you have any further questions, feel free to ask!

Share Group Links Public Comments

2. How to join WhatsApp Group?

There are two main ways to join a WhatsApp group:

1. Through Invite Link:

This is the most common method. If you have been invited to a group, you will receive a link from the group admin. Clicking on this link will open WhatsApp and prompt you to join the group. Here's how it works:

  • Click on the invite link. This will open WhatsApp, either on your phone or desktop app.
  • Review the group information. This includes the group name, description, and admin details.
  • Tap "Join group" to confirm you want to join.

2. By Requesting to Join:

Some groups are private and require approval from the admin before you can join. In such cases, you might need to:

  • Contact the group admin directly. This could be someone you know or someone you find through the group's social media page or website (if available).
  • Request to join the group. Explain why you're interested in joining and provide any relevant information the admin might need.
  • Wait for approval. The admin will decide whether to accept or reject your request.

Additional ways to find groups:

  • Online directories: Several websites and apps list public WhatsApp groups categorized by interests. However, be cautious when joining groups from untrusted sources, as they might be spam or contain inappropriate content.
  • Social media groups: Look for groups related to your interests on platforms like Facebook or Reddit. Sometimes, these groups might have links to their corresponding WhatsApp groups.

Important points to remember:

  • Only join groups from trusted sources. Avoid clicking on links from unknown senders or joining groups with suspicious activities.
  • Be mindful of group rules. Each group might have its own set of rules and guidelines. It's important to respect these rules to maintain a positive and respectful environment within the group.
  • Consider leaving if necessary. If you no longer find the group valuable or experience any negativity, you can always leave the group by going to the group info and tapping "Exit group."

I hope this explanation helps! Let me know if you have any other questions.

3. How to Share WhatsApp Group Links?

Sharing WhatsApp group links is a convenient way to invite others to join your group. Here's how you can do it on both Android and iOS devices:

1. Through QR Code:

  • Open the WhatsApp group chat.
  • Tap on the group name at the top.
  • Look for the option "Invite to Group via Link" or "Invite to Group with Link."
  • Choose "QR Code" from the available options.
  • This will generate a QR code for your group.
  • Anyone who scans this code with their WhatsApp camera will be able to join the group.
  • Tap "Share" to send the QR code image to others through various platforms like email, social media, or messaging apps.

2. Sharing the Link:

  • Follow steps 1 and 2 mentioned above in the QR code method.
  • Instead of choosing "QR Code," select "Share link" or "Copy link."
  • This will either share the link directly through WhatsApp with your chosen contacts or copy it to your clipboard.
  • You can then paste the copied link into any platform like email, social media posts, or messages to invite others to join.

Additional Notes:

  • Only group admins can generate and share invite links.
  • The link generated is unique to each group and can be revoked by the admin at any time. This will create a new link, rendering the old one invalid.
  • Anyone with the link can join the group, so be cautious about sharing it publicly. Consider sharing it only with trusted individuals or within controlled environments.

I hope this helps! Let me know if you have any other questions.

4. How to create a WhatsApp Group?

Creating a WhatsApp group is a straightforward process that can be done on both Android and iOS devices. Here's a step-by-step guide:

On Android:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Tap the "New chat" icon (represented by a pencil and paper icon).
  4. Select "New group".
  5. Search for or select the contacts you want to add to the group. You can choose up to 1024 members.
  6. Tap the green arrow icon in the bottom right corner.
  7. Enter a group subject (name). This will be the name displayed for the group in everyone's chat list.
  8. (Optional) Tap the camera icon to add a group icon. You can choose an image from your gallery, camera, or search the web.
  9. Tap the green checkmark icon to create the group.

On iOS:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Tap the "New chat" icon (represented by a pencil and paper icon).
  4. Select "New Group".
  5. Search for or select the contacts you want to add to the group. You can choose up to 1024 members.
  6. Tap "Next" in the top right corner.
  7. Enter a group subject (name). This will be the name displayed for the group in everyone's chat list.
  8. (Optional) Tap "Group Settings" and choose an option for who can edit group info.
  9. Tap "Create" to create the group.

Additional notes:

  • Once the group is created, you can add or remove members, change the group name and icon, and manage other group settings.
  • You can also invite people to join the group by sharing a link or QR code.

I hope this helps! Let me know if you have any other questions.

5. How to create a WhatsApp Channel?

Creating a WhatsApp channel allows you to broadcast messages to a large audience who can only view and react to your content, unlike traditional groups where members can also send messages. Here's how to create a channel on both Android and iOS devices:

On Android:

  1. Open the WhatsApp app.
  2. Tap the "Updates" tab. This might be located at the bottom right corner of your screen, depending on your device and app version.
  3. Tap the "+" icon in the top right corner.
  4. Select "New channel".
  5. Enter a channel name. This will be the name displayed for your channel.
  6. (Optional) Add a channel description. This can provide a brief overview of your channel's content and purpose.
  7. Tap "Create".

On iOS:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Swipe down on the chat list to reveal the "Channels" section.
  4. Tap the "+" icon in the top right corner.
  5. Select "New channel".
  6. Enter a channel name. This will be the name displayed for your channel.
  7. (Optional) Add a channel description. This can provide a brief overview of your channel's content and purpose.
  8. Tap "Create".

Additional notes:

  • Once your channel is created, you can start sharing text messages, photos, videos, documents, and link previews with your subscribers.
  • People can find your channel through search, by being invited by existing subscribers, or by scanning your channel's QR code.
  • As the channel owner, you can manage who can see your channel, control who can join as admins, and edit your channel information.

Here are some important things to keep in mind when creating a WhatsApp channel:

  • Content focus: Clearly define the purpose and target audience for your channel to attract relevant subscribers.
  • Quality content: Regularly share engaging and informative content to keep your audience interested.
  • Spam prevention: Avoid excessive or irrelevant content that might overwhelm subscribers.
  • Community guidelines: Adhere to WhatsApp's community guidelines to avoid potential channel suspension.

I hope this explanation helps you create and manage your WhatsApp channel effectively!

6. How to create a WhatsApp Broadcast?

Creating a WhatsApp Broadcast allows you to send messages to a selected group of contacts at once, similar to an email list. Unlike groups, recipients cannot see each other's replies or interact with each other within the broadcast. Here's how to create a broadcast on both Android and iOS devices:

On Android:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Tap the "More options" menu (three dots in the top right corner).
  4. Select "New broadcast".
  5. Select the contacts you want to add to the broadcast list. You can choose up to 256 contacts.
  6. Tap the green checkmark icon in the bottom right corner.
  7. Enter a name for your broadcast list (optional). This will help you identify the list easily in the future.
  8. Tap the broadcast list name at the top to start composing your message.
  9. Type your message and tap "Send".

On iOS:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Swipe down on the chat list to reveal the "Broadcast Lists" section.
  4. Tap the "New List" button.
  5. Select the contacts you want to add to the broadcast list. You can choose up to 256 contacts.
  6. Tap "Create".
  7. Tap the broadcast list name at the top to start composing your message.
  8. Type your message and tap "Send".

Additional notes:

  • You can manage your broadcast lists by editing the name, adding or removing contacts, or deleting the list entirely.
  • Recipients will receive your message as a regular individual chat, but they won't see who else is on the broadcast list.
  • Remember to use broadcasts responsibly and avoid spamming your contacts with unwanted messages.

I hope this helps! Let me know if you have any other questions.

7. What is member limit for WhatsApp Group?

As of November 2022, the member limit for a WhatsApp group is 1024. This is an increase from the previous limit of 512 members.

Here's a quick breakdown:

  • Previous limit: 512 members
  • Current limit: 1024 members

It's important to note that this limit applies to manually adding members to a group. When using a group invite link, there's no technical limit to the number of people who can join the group. However, it's still recommended to manage the group size effectively to avoid overwhelming participants and maintain a manageable conversation flow.

8. How to Unblock WhatsApp Account?

Unfortunately, there's no guaranteed way to unblock your WhatsApp account if it's been banned. However, depending on the reason for the ban, you might have a few options:

1. Re-register your phone number:

  • This method only works in specific cases and might not always be successful.
  • Steps:
    • Uninstall and re-download the WhatsApp app.
    • During registration, enter the blocked phone number.
    • Enter the 6-digit registration code.
    • If your account is still banned, wait 30 days and try again.

2. Apply for review:

  • This option is available if you believe your account was banned unfairly.
  • Steps:
    •
    • Download and install the WhatsApp app again.
    • Open the app and enter the blocked phone number.
    • Click "Support" when prompted.
    • Enter the 6-digit verification code.
    • Fill out the review application form and provide any supporting information explaining why you think your account was banned incorrectly.
  • Note: It can take several days for WhatsApp to review your request.

Important points to remember:

  • Understanding the reason for the ban: Knowing why your account was banned is crucial. Common reasons include sending illegal content, spamming, using unauthorized apps, or violating WhatsApp's terms of service.
  • Following WhatsApp's guidelines: If your account was banned for violating their terms, it's essential to understand and follow them to avoid future issues.
  • Limited success: There's no guarantee that either of these methods will work. In some cases, WhatsApp might decide to permanently ban your account.

Alternatives:

  • If you're unable to recover your banned account, consider creating a new WhatsApp account with a different phone number. However, remember that repeatedly violating WhatsApp's terms can lead to further bans.

It's crucial to use WhatsApp responsibly and avoid any actions that might lead to account suspension or ban.

9. Why my WhatsApp Account got blocked?

Unfortunately, I cannot determine the specific reason why your WhatsApp account got blocked. However, I can share some common reasons why WhatsApp bans accounts:

  • Violating WhatsApp's Terms of Service: This includes activities like sending illegal content (hate speech, violence, etc.), spamming other users, using unauthorized modified apps, and excessive broadcast messages.
  • Sending inappropriate content: This could involve sharing harmful, threatening, hateful, or discriminatory content.
  • Spamming: Repeatedly sending unsolicited messages to others can lead to account bans.
  • Using unauthorized third-party apps: WhatsApp doesn't support modified versions of their app, and using such apps can violate their terms and lead to bans.
  • Being reported by other users: If a significant number of users report your account for abusive or suspicious activity, WhatsApp might take action.

If you believe your account was banned unfairly, you can try contacting WhatsApp support and explain your situation. They might review your case and decide to unblock your account.

Here's how to contact WhatsApp support:

  1. Download and install the WhatsApp app again.
  2. Open the app and enter the blocked phone number.
  3. Click "Support" when prompted.
  4. Enter the 6-digit verification code.
  5. Fill out the review application form and provide any supporting information explaining why you think your account was banned incorrectly.

Remember, it can take several days for WhatsApp to review your request.

It's important to use WhatsApp responsibly and follow their community guidelines to avoid getting your account banned in the future.

10. Which is better WhatsApp or Telegram or Signal?

Determining which app is "better" depends on your individual priorities and needs. Here's a breakdown of their strengths and weaknesses to help you choose:

Signal:

  • Strengths:
    • Strongest focus on privacy and security: End-to-end encryption by default for all messages and calls, open-source code, no data collection or sharing with third parties.
    • Disappearing messages: Option to set messages to disappear after a specific time frame.
    • Simple and user-friendly interface.
  • Weaknesses:
    • Smaller user base compared to WhatsApp and Telegram: This might limit who you can connect with.
    • Fewer features compared to the other two: Lacks features like large group chats, channels, and advanced media editing options.

Telegram:

  • Strengths:
    • Large user base: Easier to connect with a wider range of people.
    • Feature-rich: Offers various features like large group chats (up to 200,000 members), channels (broadcasting to large audiences), bots, and advanced media editing options.
    • Cloud-based storage: Access messages from any device with internet access.
  • Weaknesses:
    • Weaker focus on privacy: End-to-end encryption is only available for "secret chats," not the default messaging option. Some user data is collected and stored on servers.
    • Concerns about potential for misuse: Due to its large user base and some features, Telegram can be misused for spreading misinformation or illegal content.

WhatsApp:

  • Strengths:
    • Largest user base by far: Most convenient for connecting with the widest range of people.
    • Familiar and user-friendly interface for many users.
    • End-to-end encryption for messages and calls: Provides a good level of privacy for communication.
  • Weaknesses:
    • Privacy concerns: Owned by Meta (formerly Facebook), raising concerns about data collection and potential future changes to privacy policies.
    • Limited features compared to Telegram: Lacks features like channels, bots, and advanced media editing options.

Choosing the right app:

  • If privacy is your top priority, Signal is the clear winner.
  • If you need a feature-rich app with a large user base and are comfortable with a slightly weaker focus on privacy, Telegram might be a good option.
  • If you prioritize connecting with the most people and are comfortable with the current level of privacy offered by WhatsApp, it can still be a suitable choice.

Ultimately, the best app for you depends on your individual needs and priorities. Consider what factors are most important to you and choose the app that best aligns with those criteria.

11. How to remove your WhatsApp group link from any website?

Once you have submitted your WhatsApp group invite link to any website then you cannot remove by yourself. So, it is better that you simply "Reset" your WhatsApp group link and people will no longer be able to join your group from your previous shared group links. Whenever they try to join via your old WhatsApp group join link it will show them that the link had been revoked by the group admin. I hope you understand.

12. Does Signal also have Group Chat features?

Yes, Signal does have group chat features. Here's an overview:

Creating a Group:

  • Open the Signal app and tap on the "New group" option.
  • Select the contacts you want to add to the group.
  • Enter a group name and choose an optional disappearing message timer.
  • Tap "Create" to finalize the group creation.

Group Features:

  • Group size limit: Up to 1000 members can be added to a Signal group.
  • End-to-end encryption: All messages and calls within the group are encrypted by default, ensuring privacy.
  • Group info and settings: Admins can edit the group name, description, and photo. They can also control who can edit group info, send messages, and start calls.
  • @mentions: You can mention specific members within the group chat by using the "@" symbol followed by their username.
  • Disappearing messages: Admins can set a timer for messages to disappear automatically after a chosen duration.
  • Group calls: Both voice and video calls can be initiated within the group, with the same end-to-end encryption for added security.

Here are some additional points to consider:

  • Unlike WhatsApp, Signal groups are not discoverable publicly. You can only join a group if you are invited by an existing member or have the group link.
  • Signal doesn't offer features like channels or large group broadcasts, which are available in Telegram.

Overall, Signal provides a secure and private group chat experience, making it a suitable option for those who prioritize these aspects in their communication.

13. How to Reset WhatsApp Group Invite Link?

Are you getting spammers in your group and spamming with off-topic messages or sharing adult content then don't be panic there is a method to stop members from joining your group and the option name is "Reset link"
We will help you so you can eset your WhatsApp group join link which you have shared everywhere. To remove the spammer you need to remove them manually and it is tough and hard work.
So simply follow the below steps and learn how you can generate a new WhatsApp group links by revoking the old one.

  • First of all, you need to open the group.
  • Now click on the name of that WhatsApp groups and scroll a little and you will find an option called "Invite via link".
  • Once you click on that you will see another option "Reset link. Simply click on that and the old link will be revoked, and the new link will be automatically generated for your WhatsApp Group.
  • Users with the old link will no longer be able to join your group. That’s it. You have successfully learned how to Reset a WhatsApp group link.

14. What is member limit for Signal Group?

The member limit for a Signal Group is 1000. This means you can add up to 1000 participants to a single group chat in Signal.

It's important to note that unlike WhatsApp which offers unlimited group size through invite links, Signal groups require members to be explicitly added by an admin or join through a specific group link. This helps maintain control over group size and potentially reduces the risk of spam or unwanted additions.

Here are some additional points to consider regarding Signal group size:

  • Larger groups might experience performance limitations: While Signal supports groups of up to 1000 members, very large groups can lead to slower message delivery or loading times, especially for devices with limited resources.
  • Managing large groups can be challenging: As group size increases, it becomes more difficult for admins to effectively manage discussions, ensure everyone feels heard, and prevent potential conflicts.
  • Consider smaller groups for optimal experience: For a more focused and engaging group experience, it's often recommended to keep group sizes smaller, especially for private or close-knit communities.

Ultimately, the ideal group size depends on your specific needs and purposes. If you need a large group for broadcasting information or facilitating discussions with a wider audience, Signal can still be a suitable option. However, for more personal or interactive group communication, keeping the size manageable might be beneficial.