I’m trying to set up UPI on my PayZapp app, but every time I select my bank, it says ‘verification failed’ or ‘could not link account’. What’s going wrong?
When your PayZapp UPI fails to link with your bank account, the issue is almost always related to a verification mismatch or a technical problem. The UPI linking process has strict security checks, and failure usually points to a mismatch in mobile numbers, missing app permissions, or a temporary network issue.
PayZapp UPI Linking Failure due to Mobile Number Mismatch
My friend was struggling for an hour to link his bank account. I asked him a simple question: “Is the SIM card in this phone the exact same number you have registered with your bank?” He realized his bank account was linked to his old number. The UPI system’s primary security check is to verify that the mobile number of the SIM in your phone matches the number registered at the bank.
How Missing App Permissions Can Prevent Bank Account Linking
My mother was trying to set up PayZapp on her new smartphone and couldn’t get the bank to link. I went into her phone’s settings, found the PayZapp app, and checked its permissions. She had denied its request to access her SMS messages. The app needs this permission to send a secure verification message from your SIM card to the bank’s servers. Once we enabled it, the linking process worked perfectly.
The Need for an Active Debit Card to Link Your UPI Account
A colleague was trying to link his newly opened salary account but it kept failing. He mentioned that he had not yet received or activated the debit card for this new account. I explained that for most banks, the UPI registration process requires the details from an active debit card to authenticate you as the account owner and to set your UPI PIN for the first time.
When Bank Servers or Network Issues Cause the UPI Linking to Fail
I was trying to re-link my bank account late one Sunday night and it repeatedly failed. Frustrated, I gave up. I tried again the next morning and it worked on the first attempt. My friend who works in tech support explained that bank servers often undergo maintenance during off-peak hours. Similarly, trying to link the account when you have a weak mobile signal can also cause the verification SMS to fail.
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