UPI's new feature allows users to make digital payments without a bank account

The UPI Circle feature will now allow children to make digital payments without a bank account. Know how parents can provide secure transactions to children by giving them limited access through Google Pay or BHIM app. Read full details

Making digital payments easier in India, a new system has come up, so that now children can also use UPI, that too without a bank account. The new feature "UPI Circle" in apps like Google Pay and BHIM allows parents to give limited or approved access to their children. With this, children can make payments by scanning QR code, but they do not have access to bank account or UPI PIN. This feature is especially useful for children below 15 years of age, so that they can learn digital transactions in a safe and controlled manner.

Where will you get NPCI's new feature UPI Circle? (Where can I get NPCI’s new feature UPI Circle?)

Taking another big step towards Digital India, now children will also be able to make payments through UPI, that too without their bank account. The new feature UPI Circle introduced by the National Payments Corporation of India (NPCI) is now available on apps like Google Pay and BHIM, which allows parents to make limited and secure digital payments to their children.

Under this feature, parents can link their bank account to the children's mobile app. Children can make payments by scanning the QR code, but they neither get bank account information nor UPI PIN is required. This gives parents full control over every transaction.

UPICircle provides two types of access - Partial Delegation and Full Delegation. In Partial Delegation, parental approval is required for every payment, while in Full Delegation, children can make payments on their own up to a limited amount. This feature is specially designed for children below 15 years of age, who do not have their own bank account.

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How to set up UPI Circle? 

Setting up UPI Circle is also very easy. Open Google Pay or BHIM app, go to the profile section and select “UPI Circle” option. From there, scan the QR code present in the child's phone by tapping on “Add People”. After this you can set the limit and choose the access type.

This feature will not only help children get used to digital transactions, but will also allow parents to keep an eye on their expenses. Also, it can be useful for the elderly, who have difficulty in technical payments.

UPI Circle is a smart and safe way to connect children to the world of digital payments. This feature not only makes children self-reliant but also gives parents peace of mind that their child is transacting in a safe manner.