
To add a GPay credit line, you'll need to meet the eligibility criteria, which includes having a stable income, a good credit score, and a valid bank account. You can check your eligibility on the GPay website.
The application process typically takes a few minutes, and you'll need to provide some personal and financial information, such as your income, occupation, and bank account details. This information will be used to assess your creditworthiness.
Once you've been approved for a GPay credit line, you can start using it to make purchases or pay bills online. You can also manage your credit line by checking your account balance, making payments, and viewing your transaction history.
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Adding a Pre-Sanctioned Credit Line
To add a pre-sanctioned credit line to Google Pay, you'll need to contact your bank to check if it's supported on UPI. You can find your bank's contact details on www.digisaathi.info.
Use the same registered mobile number for both Google Pay and the bank that issued your credit line. This is a crucial step, as it will help the verification process go smoothly.
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To add your credit line, open the Google Pay app, tap your Profile picture, and then tap Set up payment methodsPayment methods. From there, tap Add credit line and select the bank that issued you a pre-sanctioned credit line.
You'll need to choose how to verify your credit line - either with your debit card or Aadhaar. If you choose Aadhaar, make sure your Aadhaar is linked to the same registered number.
To verify your credit line, you may need to create a UPI PIN. This will help secure your transactions and protect your account.
Here are some common concerns that only your 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
Remember, if a merchant doesn't accept your pre-sanctioned credit line, an error will show on the screen. In this case, you can switch to another form of payment, like a bank account, RuPay credit card, or another card that you added to Google Pay.
Managing a Pre-Sanctioned Credit Line
To add a pre-sanctioned credit line on Google Pay, follow these steps: Open the Google Pay app, tap your Profile picture, Set up payment methods, and then select Payment methods. From there, you can select the added pre-sanctioned credit line and tap Payment method details to check the balance.
To make a transaction using a pre-sanctioned credit line, select it as an available payment method when making a purchase through QR code or an online merchant. If the merchant doesn't accept this form of payment, an error will show on the screen, and you'll need to switch to another payment method, like a bank account or RuPay credit card.
If you encounter problems with your pre-sanctioned credit line, you can try verifying it with Aadhaar by contacting your bank and following their instructions. Alternatively, you can verify it using your debit card details, which will be sent to your registered email ID when you avail the credit limit.
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To verify your pre-sanctioned credit line on Google Pay using Aadhaar, you'll need to update or link a mobile number with Aadhaar. You can find more information on this process by visiting the UIDAI website at https://uidai.gov.in.
If your bank doesn't support Aadhaar OTP-based onboarding, you won't be able to verify your pre-sanctioned credit line with Aadhaar. In this case, you can contact your bank for more information on how to proceed.
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Troubleshooting Pre-Sanctioned Credit Line Issues
If a merchant doesn't accept pre-sanctioned credit line payment, an error will show on the screen. You can switch to another form of payment, like a bank account, RuPay credit card, or another card added to Google Pay.
To troubleshoot pre-sanctioned credit line issues, you can try verifying your credit line with Aadhaar or debit card details. Your bank must support Aadhaar OTP-based onboarding for Aadhaar verification.
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.
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Reactivate

Reactivate your credit line if you've accidentally deactivated it or want to use it again. To do this, open the Google Pay app and follow these steps.
Tap your profile picture and then select "Set up payment methods" from the menu. This will take you to the payment methods page where you can manage your credit lines.
On the payment methods page, look for the credit line you want to reactivate and tap "Activate" next to it. This will start the activation process.
Follow the on-screen instructions to complete the activation process. This may involve verifying your identity or providing additional information.
You can also check the status of your credit line by looking at the payment methods page. If it's still deactivated, you'll see a message indicating that it's inactive.
Here's a summary of the steps to reactivate your credit line:
- Open the Google Pay app
- Tap your profile picture and select "Set up payment methods"
- Tap "Activate" next to the credit line you want to reactivate
- Follow the on-screen instructions to complete the activation process
Fix Pre-Sanctioned Issues
You're having trouble with your pre-sanctioned credit line on Google Pay? Don't worry, it's easy to fix.
To start, you should know that when you add a pre-sanctioned credit line, an SMS is sent to register your attempt in the background. This helps increase the success rate of adding your credit line.
If you're having issues, you can try verifying your pre-sanctioned credit line with your debit card details. Your bank will send this information to your registered email ID when you avail the credit limit.
However, if you want to verify with Aadhaar, your bank must support Aadhaar OTP-based onboarding. Unfortunately, you can't choose how many SMS are sent to register your attempt.
To verify your pre-sanctioned credit line on Google Pay using Aadhaar, you must update or link a mobile number with Aadhaar. You can find more information on this process by visiting https://uidai.gov.in.
If you're still having trouble, it's best to contact your bank for more information. You can find their contact details on www.digisaathi.info.
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Who Can Activate
To activate a credit line on Google Pay, you'll need to check your Google Pay app for a notification from the issuing bank.
If you're eligible for a pre-sanctioned credit line, you'll receive a notification on the Google Pay app.
To know if you're eligible, simply check your Google Pay app.
Once activation is successful, you can add your pre-sanctioned credit line to your Google Pay account as a form of payment.
Sources
- https://support.google.com/pay/india/answer/13844655
- https://support.google.com/pay/india/answer/14981294
- https://www.npci.org.in/what-we-do/credit-line-on-upi/product-overview
- https://www.axisbank.com/retail/loans/credit-line-on-upi
- https://www.moneycontrol.com/news/business/personal-finance/credit-on-upi-heres-how-it-works-and-its-benefits-11506541.html
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