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What is UPI Circle? How to use it to make payments

National Payments Corporation of India (NPCI) has launched a new initiative to promote digital payments. Unified Payments Interface Circle (UPI Circle) has been started. The special thing about UPI Circle is that a UPI user can add a maximum of five people to his account. For this, there is no need to link their bank account. Actually, this is a new way of making digital payment, which will also benefit those who do not have a bank account. Let us tell you that GooglePay has introduced this facility. Soon other UPI platforms will also introduce it. Let us tell you What is UPI Circle and how can it be used,

In this article:

What is UPI Circle?

NPCI has introduced a new payment feature called UPI Circle. It allows two or more individuals to share the same bank account for UPI transactions. The UPI Circle feature can be used by family members, friends, etc. of the users. For example, if a user's parents do not have UPI accounts, the user can link them with his UPI account, then they can also transact through UPI. In this, users can use the same bank account for small amount transactions through UPI. However, in this, the primary user has the rights to give access to other family members, set transaction limits, authorize transactions, etc. Even if the secondary user does not have a bank account, they can still transact through UPI Circle.

Who is the primary user in UPI Circle?

The bank account holder is the primary user of the UPI circle. He has the authority of the UPI circle. The primary user adds people to the circle and manages the transactions. He has the authority to decide who to make his trusted account partner and provide full or partial access to secondary users. The primary user has the authority to set transaction limits, authority, UPI PIN, add/remove secondary users.

Who is the secondary user in UPI Circle?

The secondary user in the UPI circle is the one who is added by the primary user. The primary user can add a maximum of 5 people. Please note that the secondary user does not need to be linked to the UPI circle linked to the bank account. Usually the secondary user can be a family member, friend or spouse.

Secondary users payment option in UPI circles

There is an option of full delegation and partial delegation for making payments to a secondary user in the UPI circle. Know what it means:

Full Delegation

Under this, the primary user can set the monthly transaction limit for the secondary user, which is currently Rs 15000. In this, the secondary user can do UPI transactions without the approval of the primary.

Partial Delegation
Under this, the secondary user has to send a request to the primary user every time to make a UPI payment. In this, they cannot make transactions directly. In such a situation, whenever the secondary user initiates a transaction, the primary user has to enter the UPI PIN every time.

How does UPI Circle work?

UPI Circle allows primary users to authorize trusted users to make digital payments on their behalf. Let's understand how UPI Circle works:

UPI Circle

step 1: Primary user on the UPI app of their choice UPI Circle can start.
Step-2: He can now add secondary users i.e. family members or other people to the circle.
Step-3: The primary user can set limits and authorities for secondary users.
Step-4: The secondary user has to accept the invitation from the UPI Circle.
Step-5: Once added to the circle the secondary user can do UPI transactions using UPI Circle.

How to use UPI Circle?

To set up UPI Circle, you need to follow the steps given below:

What is required for UPI Circle?

  • The primary user for the UPI circle must have an active bank account. Also, their bank account must be linked to the UPI app such as Google Pay, PhonePe, etc.
  • The contact number of the secondary user must be in the contact list for the primary user.
  • The secondary user must also have a valid UPI ID.

How to add secondary user in UPI Circle

  • For this the secondary user has to open his UPI app and go to the profile section QR code You have to tap on the icon.
  • After this, the primary user will have to open the UPI Circle page. For this, you can click on the profile picture.
  • After this the primary user can get the access to the secondary user QR code scan Or you will have to upload it from the gallery.
  • Now the primary user has to setup the delegation type for payments. Partial delegation for each payment approval and full delegation for monthly limit.
  • Finally, the secondary user needs to accept the request for final setup.

How to pay through UPI Circle?

To make payment through UPI Circle, you have to follow the steps given below:

step 1: The secondary user has to scan the QR code and request for payment after entering the amount.
Step-2: Then the payment request will be sent to the primary user for approval. If the secondary user has got approval for partial delegation, then in this case the primary user will have to give approval for payment every time. On the other hand, if the secondary user has got approval for full delegation, then the secondary user can make transactions up to the monthly limit i.e. Rs 15000 without the approval of the primary user. In this, the maximum limit for a single transaction is Rs 5,000.
Step-3: Once the payment is completed, it will be visible in the secondary user's UPI app.

Important things related to UPI Circle…

  • Multiple users within a UPI circle can use the same UPI platform to transact.
  • The maximum limit of transactions through UPI Circle is Rs 15,000 per month. Also, the maximum limit per transaction is Rs 5,000.
  • UPI Circle aims to provide easy access to children, adults, senior citizens, physically challenged people who do not have a bank account.
  • There is no additional charge for availing this service.
  • The primary user can add a maximum of 5 secondary users.
  • Secondary users can only accept invitations from one primary user.
  • For security reasons, mobile number cannot be added while adding a secondary user. Only QR code or UPI ID can be used to add a secondary user.
  • Every transaction made by the secondary user can be seen by the primary user.

FAQs

How can UPI Circle request be tracked?

Primary and secondary users can track the status of active UPI circle requests directly through their profiles within the app. This feature ensures that users can keep track of their ongoing payment activities.

What are the transaction limits and validity in UPI circles?

While UPI transaction limits in partial delegation are based on daily limits, in full delegation the monthly payment limit is Rs 15,000, with a maximum of Rs 5,000 per transaction. Payment requests for partial delegation are valid for 10 minutes, while full delegation transactions are made within a pre-defined monthly limit.

What is the cool-off period in UPI circles?

After linking in UPI circles, there is a cool-off period of 30 minutes where no transactions can be done.

How many secondary users can a primary user add in a UPI circle?

A primary user can add a maximum of five secondary users to his UPI circle. But a secondary user can be part of only one UPI circle at a time.

How long is the invitation valid for a secondary user in a UPI circle?

The secondary user in the UPI circle gets 30 minutes to accept the invitation request. If the secondary user does not accept the invitation within this time, the primary user will have to send a new request.

Will a separate app be required for UPI Circle?

No, you do not need a separate UPI app for UPI Circle. You can use this feature in the UPI app you already have.

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