Pre-sanctioned credit line on UPI

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 other concerns, contact your bank directly. To get your bank’s contact details, visit www.digisaathi.info.

Before you add a pre-sanctioned credit line

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

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.

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.

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.
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.

Add a credit line on Google Pay

  1. Open the Google Pay app .
  2. Tap your Profile picture.
  3. Tap Set up payment methods and then 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

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 and then Set up payment methods and then Payment methods.
  3. Select the added pre-sanctioned credit line.
  4. Tap Payment method details and then Check balance.
    • You can find the total credit limit and available outstanding balance.

Fix problems with your pre-sanctioned credit line

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.

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.

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.

Common errors encountered during Aadhaar based verification

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.

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 and then My Aadhaar and then 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.

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.

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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