Ever since UPI (Unified Payments Interface) has come, many works of our life have become very easy. Nowadays, we pay everyone from buying every vegetable to buying clothes online. There are no changes in UPI payment. One such change is UPI Circle. UPI Circle is a new feature, in which UPI account holder can allow others to pay from their account. This means that many people can do for UPI payments using the same bank account.
What is upi circle
UPI Circle is a feature in which two people can pay UPI from the same bank account. In UPI Circle, the primary user of the account can give permission to use UPI payment by making their parents, children a secondary user. With this, different members of the same family will be able to use the same UPI easily. The primary account holder can see all the payment made by the secondary user.
Follow these steps to turn on UPI Circle
step 1: First of all go to the BHIM-OPI app and click on ‘UPI Circle’. Click on ‘Add Family Or Friends’ button.
Step 2: When you add UPi ID of your friend or family, click on the ‘Add to My Upi Circle’ button. Note that this person should be in your contact list otherwise he cannot be added.
Step 2: Insert the UPI ID of your fand or family member and tap on the ‘Add to My UPI Circle’ button. Keep in mind that this person should be in your contact list, otherwise it will not be added.
Step 3: Now you will see two options, the first ‘Spend With Limits’ or ‘Approve Every Payment’. In the first option, you can fix a limit and the secondary user can only pay within the same limit. In the second option, you will have to give approval to every transaction made by the secondary user. Choose the option as per your need and click ‘Get forward’.
Step 4: If you have chosen the ‘Spend With Limits’ option, then in this option you have to give three information – every month’s payment limit, the last date of this permission, and the bank account that will make the money deducted. After filling all the information, click on ‘Get forward’. After this, then add your UPI pin. After this the secondary user will join your UPI circle.
Keep these things in mind while activating UPI circle
1. The version of the UPI Circle feature BHIM app is available for 3.8.1 and above.
2. To use it, save you in the UPI ID and number contract list of your friend or family member.
3. Let us know that until the second user does not complete the transaction, your money will not be deducted from your account.
4. The transaction limit in UPI circle will be fully active after 30 minutes. However, if the payment needs to be made immediately, the other user may immediately request the approval from you.
5. The request of approval will come as a notification or will be seen in the ‘Approve to pay’ section of the app.
6. After adding the new member, the 24 -hour cooling period is applied. During this period, the transaction limit is up to Rs 5,000.
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