NPCI Launches 'UPI Circle' for Secure Payments Among Trusted Users
The National Payments Corporation of India (NPCI) has unveiled a new feature called ‘UPI Circle’ on the Unified Payments Interface (UPI) platform, allowing primary UPI account holders to securely delegate payment responsibilities to trusted secondary users. This feature aims to enhance convenience and security in digital transactions by enabling primary users to link their UPI accounts with secondary users, who can then make payments on their behalf within pre-defined limits.
‘UPI Circle – Delegate Payments’ is a feature where a UPI user (primary) can establish a secure link with trusted secondary users on their UPI app for partial or full payment delegation. Introduced during the Reserve Bank of India’s August MPC meeting, this feature allows the primary user to set specific transaction limits for the secondary user, thereby expanding the reach and usage of digital payments.
Primary User: The account holder who initiates and controls the delegation.
Secondary User: A trusted individual granted either partial or full access to the account for making payments.
Full Delegation: The secondary user is authorised to complete transactions within set limits without further approval.
Partial Delegation: The secondary user initiates transactions, but the primary user must authenticate and finalise them using their UPI PIN.
UPI Circle enhances convenience by allowing payments on behalf of dependents while maintaining security through controlled access. It is particularly useful for managing payments for children or elderly dependents, reducing fraud risk, and ensuring budget adherence. The feature also opens up possibilities for micro-communities within gig economies, enabling easy real-time payments. However, primary users must carefully manage and restrict delegation to trusted individuals.
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