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
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.
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
Example of concerns that only the issuing bank can
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.
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.
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.
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.
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
2.Tap Select preferred language >My Aadhaar >Aadhaar services.
3.Tap Verify email/mobile number.
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.
money in your credit line account
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.
add a credit line
errors when you add a credit line
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
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.