UPI Circle Activation: Nowadays, most people use UPI to send money and make payments; however, there are often family members—such as children, the elderly, or others—who do not have their bank accounts or access to UPI facilities. ‘UPI Circle’ is a special feature designed to assist these individuals. UPI was launched by the National Payments Corporation of India (NPCI). This feature allows you to authorise a trusted person to make payments using your UPI account. A key advantage is that you retain control over payment limits and approval requirements.
What is UPI Circle?
UPI Circle is a feature that allows you to grant permission to a family member to make digital payments using your UPI account. Whether it is providing money for a child’s school canteen or giving funds to a family member for daily expenses, payments can be made via UPI Circle. This eliminates the need for the other person to have their own bank account details. You can customise the settings based on your needs, deciding how much the person can spend and whether your approval is needed for every transaction.
How does UPI Circle work?
UPI Circle involves two types of users. The ‘primary user’ is the person whose bank account is linked to UPI and who grants payment permission to another individual. The ‘Secondary User’ is the person authorised by the Primary User to make payments using the Primary User’s UPI account. The secondary user does not require a separate bank account for this facility; however, they must be added to the UPI Circle and complete the necessary procedures in accordance with the UPI app’s terms and conditions.
How is the spending limit determined?
With the help of UPI Circle, a primary user can easily control the spending of another person. Payment limits and other conditions are set in accordance with the UPI app and applicable regulations. This ensures that the other person can make payments only as needed. However, spending limits, per-transaction limits, and other conditions vary depending on the specific app.
How safe is UPI Circle?
Regarding the safety of UPI Circle, there is no need to share any phone number, UPI PIN, or other sensitive information while using it. Additionally, you can decide the extent of payment privileges granted to the other person. This offers greater payment convenience for the family while maintaining control over the account. If you wish to use this feature, you can easily set it up on apps like Google Pay, PhonePe, etc.