{"id":46432,"date":"2025-04-24T11:06:09","date_gmt":"2025-04-24T11:06:09","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/46432\/"},"modified":"2025-04-24T11:06:09","modified_gmt":"2025-04-24T11:06:09","slug":"delegated-payments-with-full-control-all-you-need-to-know-about-upi-circle","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/46432\/","title":{"rendered":"Delegated payments with full control: All you need to know about UPI Circle"},"content":{"rendered":"<p> <img src=\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2025\/04\/120579655.jpg\" alt=\"Delegated payments with full control: All you need to know about UPI Circle\" title=\"Representative image\" decoding=\"async\" fetchpriority=\"high\"\/> India\u2019s digital payments landscape has taken a significant leap with the launch of <a href=\"https:\/\/timesofindia.indiatimes.com\/topic\/upi-circle\" styleobj=\"[object Object]\" class=\"\" commonstate=\"[object Object]\" frmappuse=\"1\" target=\"_blank\" rel=\"noopener\">UPI Circle<\/a>, a feature by the National Payments Corporation of India (<a href=\"https:\/\/timesofindia.indiatimes.com\/topic\/npci\" styleobj=\"[object Object]\" class=\"\" commonstate=\"[object Object]\" frmappuse=\"1\" target=\"_blank\" rel=\"noopener\">NPCI<\/a>) that enables <a href=\"https:\/\/timesofindia.indiatimes.com\/topic\/delegated-payments\" styleobj=\"[object Object]\" class=\"\" commonstate=\"[object Object]\" frmappuse=\"1\" target=\"_blank\" rel=\"noopener\">delegated payments<\/a> while ensuring security and oversight. <br \/>Designed to increase financial inclusivity and offer convenience in managing household and business payments, UPI Circle is now available on the <a href=\"https:\/\/timesofindia.indiatimes.com\/topic\/bhim-app\" styleobj=\"[object Object]\" class=\"\" commonstate=\"[object Object]\" frmappuse=\"1\" target=\"_blank\" rel=\"noopener\">BHIM app<\/a>, with plans to expand to other platforms soon.<\/p>\n<p>What is UPI Circle?<\/p>\n<p>UPI Circle allows a Primary User to authorise a Secondary User to carry out <a href=\"https:\/\/timesofindia.indiatimes.com\/topic\/upi-transactions\" styleobj=\"[object Object]\" class=\"\" commonstate=\"[object Object]\" frmappuse=\"1\" target=\"_blank\" rel=\"noopener\">UPI transactions<\/a> on their behalf within set spending limits. The primary user owns the bank account, while the secondary user may or may not have one. <br \/>This means individuals who are currently excluded from UPI usage\u2014such as elderly family members, children, domestic help, or staff\u2014can now make digital payments easily and securely, backed by someone they trust.<\/p>\n<p>How it works<\/p>\n<p>Primary users have two modes of control. They can either:<\/p>\n<ul>\n<li>Approve each transaction individually using their UPI PIN, or<\/li>\n<li>Set predefined limits so that secondary users can make payments up to that amount without requiring further approvals.<\/li>\n<\/ul>\n<p>This flexibility allows families and small businesses to delegate financial tasks efficiently, while still maintaining full oversight.<br \/>Despite UPI\u2019s growth, many Indians still depend on cash for daily needs due to lack of digital literacy or access to personal bank accounts. UPI Circle addresses this gap by enabling users who don&#8217;t handle their own finances to participate in digital payments safely.<br \/>According to NPCI, about 6% of <a href=\"https:\/\/timesofindia.indiatimes.com\/topic\/upi-users\" styleobj=\"[object Object]\" class=\"\" commonstate=\"[object Object]\" frmappuse=\"1\" target=\"_blank\" rel=\"noopener\">UPI users<\/a> make frequent transactions on behalf of others. With UPI Circle, these delegated payments become more structured, reducing reliance on cash and increasing transparency.<\/p>\n<p>Real-world use cases<\/p>\n<p>Parental oversight: A parent can authorise their child to spend on stationery or food while monitoring spending limits.<br \/>Senior citizen support: Elderly users who are hesitant about digital payments can allow children to complete the transaction remotely.<br \/>Busy households: Working couples can enable domestic help to purchase essentials on their behalf with spending limits.<br \/>Business owners: Entrepreneurs like car rental service providers can allow staff to make payments for fuel and other needs, ensuring accountability and reducing the use of petty cash.<br \/>On BHIM, UPI Circle is integrated with built-in security and ease-of-use. The app lets you choose how much control you want\u2014transaction-by-transaction approval or pre-set spending limits\u2014making it ideal for managing family budgets or joint responsibilities.<br \/>As per Bhimupi.org, UPI Circle is not just a convenience feature\u2014it is a step towards <a href=\"https:\/\/timesofindia.indiatimes.com\/topic\/financial-inclusion\" styleobj=\"[object Object]\" class=\"\" commonstate=\"[object Object]\" frmappuse=\"1\" target=\"_blank\" rel=\"noopener\">financial inclusion<\/a>. It brings non-users into the digital payments ecosystem while allowing experienced users to share financial access securely. <br \/>As per NPCI, UPI Circle fosters \u201ca more inclusive and connected financial ecosystem,\u201d making digital transactions accessible to more people, without compromising on control or safety.<\/p>\n","protected":false},"excerpt":{"rendered":"India\u2019s digital payments landscape has taken a significant leap with the launch of UPI Circle, a feature by&hellip;\n","protected":false},"author":2,"featured_media":46433,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3159],"tags":[25510,10919,25511,25509,10444,547,6471,25513,53,16,15,25508,25512,25514],"class_list":{"0":"post-46432","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mobile","8":"tag-bhim-app","9":"tag-cashless-payments","10":"tag-delegated-payments","11":"tag-digital-payments-india","12":"tag-financial-inclusion","13":"tag-mobile","14":"tag-npci","15":"tag-secure-digital-transactions","16":"tag-technology","17":"tag-uk","18":"tag-united-kingdom","19":"tag-upi-circle","20":"tag-upi-transactions","21":"tag-upi-users"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@uk\/114392621570690496","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/46432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=46432"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/46432\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/46433"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=46432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=46432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=46432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}