Managing digital payments for your family or friends just got a whole lot easier. A new feature called UPI Circle allows one person to make payments on behalf of others, securely and within set limits. Whether it’s helping your kids, elderly parents, or someone without a bank account, this tool opens up convenient digital access for all.
What is UPI Circle?
UPI Circle is a feature where a primary user permits a secondary user to make UPI payments using the primary user’s account. The idea is simple: create a small trusted group where digital payments can be handled by one person on behalf of others.
This is especially useful in families where one person manages household finances or in situations where some members don’t have their own active bank accounts.
How UPI Circle Works
Using UPI Circle, the primary user retains complete control over the payments. Here’s what that means:
- Add trusted contacts to your UPI Circle via their UPI ID or QR code
- Set limits for each secondary user
- Review and approve each payment before it goes through
- Track all expenses made by secondary users
- Remove or update access at any time
This setup ensures security and flexibility while reducing the hassle of handling multiple accounts or devices.
Step-by-Step: Setting Up UPI Circle
Starting with UPI Circle is easy. Just follow these steps:
- Open your UPI app and go to the UPI Circle option
- Choose Invite Secondary Contact
- Enter their UPI ID or scan their QR code
- Once they accept the invite, you set the spending limits and control all transactions they make using your account
UPI Circle is more than a tech upgrade—it’s a step toward inclusive and practical digital banking. It’s perfect for families, caregivers, and anyone looking to manage finances for others with safety and ease.
Whether you’re streamlining your household expenses or helping someone without a bank account, UPI Circle puts secure and smart control in your hands.
