The online payment app PhoneP has launched a new feature for their users. This feature can be very useful for those who do not have their own bank account. The new feature launched is the name of the UPI Circle. With the help of this new feature launched by the company, users can make payments for their family members and faithful people. This feature has been launched by the NPCI. In the past, it was limited to the Google Pay app. But now the phonePay has brought this feature for its users. So now phone use users will also be able to pay for their family members.
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With the UPI circle, users can create a group (circle). In this group, he can connect his faithful people, such as family or friends. People who are being educated in the circle do not have to have a bank account. The primary users in the group can approve the payment on behalf of others (secondary users). After joining the group, each person will have his own UPI ID. They can buy or pay the bills online using this ID. However, all the money will only be deducted from the bank account of the primary users. (Photo courtesy – Pinterest)
The Primary user has the right to decide how secondary users can make payment. There are two ways for this.
Approval each time – When the secondary users make payment, the primary user will have to approve it every time.
Determining the limit – Primary users can set the monthly cost limit for secondary users (eg maximum Rs 15000). After that they will not have to approve every payment.
The primary user can turn off the acce of any secondary user at any time and also see when and how much money they spend. Different cost limitations can be fixed for each secondary user.
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A primary user can add a maximum of five secondary user to his circle, but a secondary user can be connected to only one primary user at a time. Whenever a secondary user pays, the Primary user immediately gets information about it.
The primary user in the circle can pay on behalf of others, even if they do not have a bank account linked to the UPI of those people. Secondary users can pay using their UPI ID, but the primary user has full control. It may approve or reject a payment request. You can keep an eye on the cost. Payment can see history and can never remove anyone from the group.
