New UPI Feature: Now 5 members can make payment from one UPI ID, new feature launched

Through UPI Circle, any primary user (main UPI account holder) can allow a maximum of 5 secondary users to initiate payments from his/her account.

BHIM UPI Circle: To make digital payments easier and safer, NPCI BHIM Services Limited (NBSL), a wholly-owned subsidiary of NPCI, has launched a new feature ‘UPI Circle’ on the BHIM app. This feature allows users to allow their UPI transactions to some trusted people, that too with complete transparency and control.

5 secondary users can be added

Through UPI Circle, any primary user (main UPI account holder) can allow up to 5 secondary users to initiate payments from his account. However, every transaction will be completed only when the primary user approves it through his UPI PIN in the BHIM app. This keeps a check on every transaction.

Who is this feature for?

Senior citizens:

A family member can approve payments for them.

Students and youth:

Parents can give them limited and secure access.

Small merchants:

Merchants can provide payment facility to their staff for expenses, but under their supervision.

Digitally ignorant users:

For those who are not comfortable with digital payments, this can be a great support for them.

The UPI Circle feature is available in the new version 4.0.2 of the BHIM app, which also includes many new features like Split Expenses, Family Mode, Spends Dashboard and multi-language support.

How will UPI Circle work?

Open the BHIM app and go to the ‘UPI Circle’ section from the home screen or menu.

Tap on ‘Add Secondary User’ and scan their UPI ID or QR code.

Select the “Approve every payment” delegation type (Partial Delegation).

The secondary user will receive an invitation, after accepting which they will be able to initiate the payment, which will be approved by the primary user in real time.

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