Fix common issues with RuPay credit cards on Google Pay

We send out multiple SMSes to increase the success rate of adding your RuPay credit card. You’ll be charged for the SMSes sent from your device.

The process of sending an SMS to register your attempt to add a RuPay credit card happens in the background. This will help increase the success rate of adding your RuPay credit card to Google Pay. You can’t choose how many SMSes are sent.

You may not be able to link your RuPay credit card on Google Pay because:

• Your bank doesn’t support UPI payments made with RuPay credit cards.
• The mobile number registered with your bank and Google Pay are different.
• You’ve entered an invalid OTP or incorrect card details.

You can only link RuPay credit cards that have the same mobile number as the one you used to register with Google Pay.

Some common errors when you add a RuPay credit card include:

• Couldn’t send SMS
  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. Learn more about SMS-related issues.
• Couldn’t find account
  Before you add a RuPay credit card to Google Pay, you must:
  1. Activate your RuPay credit card.
  2. Confirm if your SIM belongs to the same mobile number registered with your bank.
  3. If your card is newly issued, your bank may not activate UPI services for the card. Wait for 48 hours and retry. If issues still persist, contact your bank.
• Couldn’t register - Mobile number linked to multiple accounts
  1. Consolidate all your accounts in a single customer ID and for any other queries, contact your bank. Learn how to identify multiple customer IDs.
  2. If your card is newly issued and faces repeated issues in UPI services activation, contact your bank.
• Couldn’t register - Issues with SIM card
  Check if you've recently reset the device to factory settings or applied changes to the current software. If you have, update your device’s software or firmware settings. Learn how to fix SIM-related errors.
• Couldn’t register - Issues with flash messages

  If you’re a prepaid user, you're likely to encounter flash messages from your operator, which causes you to switch away from the app. To turn off flash SMS settings, contact your telecom operator. Learn how to disable flash messages.

To verify your RuPay credit card 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.

You can also verify your bank account with your debit card details.

To verify your RuPay credit card on Google Pay, update or link a mobile number with Aadhaar. Once the update is successful, try to add your bank account again.

To find the mobile number linked to your Aadhaar number:

1. Go to https://uidai.gov.in.
2. Under “Select preferred language,” tap the preferred language.
3. Tap My Aadhaar and then Aadhaar services.
4. Tap Verify email/mobile number.

If the number doesn’t match the one linked to your RuPay credit card, update or link a mobile number with Aadhaar. Once the update is successful, try to add your bank account again.