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You're not the only person who uses Google Pay and sees the notification "You've reached the SMS limit." When connecting their bank account or confirming their mobile number, many people have this problem. Here's a comprehensive explanation that explains why this occurs and how to promptly resolve it.

What Does “You’ve Reached the SMS Limit” Mean?

Google Pay automatically sends your bank an SMS from the registered mobile number you provided when you attempt to verify your number.

If too many attempts at SMS verification are made in a short amount of time, either:

• Your mobile provider momentarily prevents you from sending any more SMS.

• Recurring attempts at verification are blocked by your bank.

• For security concerns, Google Pay limits SMS verification.

The error notice "You've reached the SMS limit" appears as a result.

Why This Problem Happens

The primary causes are as follows:

1. An excessive number of verification attempts

The system may prevent further SMS attempts for a whole day if you attempt to validate your bank account too frequently.

2. Inadequate SMS Balance

Sending verification messages may be impossible for prepaid subscribers with insufficient SMS balance.

3. Disabling SMS Permissions

Verification may not work if Google Pay does not have SMS permission.

4. The SIM Card Is Not Default

Google Pay must use the SIM that is connected to your bank account if you have two SIM cards.

5. Bank or Carrier Restrictions

Repetitive SMS queries are occasionally momentarily blocked by banks or telecom carriers.

How to Fix “SMS Limit Reached” in Google Pay

✅ 1. Give it a full day.

The limit usually automatically resets after 24 hours.

✅ 2. Verify Your SMS Balance

Verify that your SIM has:

• Active strategy
  
  
• Balance of SMS
  
  
• Capacity to send standard SMS

✅ 3. Make the right SIM the default

To access the Default SMS SIM, navigate to Settings → SIM Cards.
Choose the number associated with your bank.

✔ 4. Turn on the necessary permissions

To enable Google Pay, navigate to Settings → Apps → Permissions.

• SMS
  
  
• Telephone Numbers

5. Empty the App Cache

To access Google Pay, navigate to Settings → Apps → Storage → Clear Cache.

6. Make changes to Google Pay

Verify that the software you're using is the most recent version available from the Play Store.

When Should You Contact Support?

If, even after 24 to 48 hours, the problem persists:

• To make sure your number is registered, get in touch with your bank.

• Use the app to get in touch with Google Pay support.

• Ask your telecom operator about any limitations on SMS.

How to Prevent This Problem in Future

• Steer clear of repeated attempts at verification.

• Verify the SMS balance before to connecting the bank.

• Make sure your bank has your most recent mobile number.

• Keep the SIM in place while verifying.

Final Thoughts

The Google Pay error message "You've reached the SMS limit" is typically transient and associated with security limitations. Most of the time, the problem is resolved by only waiting a day.

Your Google Pay account should function properly once more if you follow the above instructions.