{"id":20160,"date":"2026-01-28T12:06:10","date_gmt":"2026-01-28T06:36:10","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=20160"},"modified":"2026-04-26T21:54:39","modified_gmt":"2026-04-26T16:24:39","slug":"what-is-upi-circle","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/","title":{"rendered":"UPI Circle: How It Works In PhonePe, Google Pay And Other Payment Apps?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69ef62bc41ac5\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69ef62bc41ac5\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#What_Is_UPI_Circle\" >What Is UPI Circle?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#Key_takeaways\" >Key takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#How_Does_UPI_Circle_Work\" >How Does UPI Circle Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#What_is_the_Purpose_of_the_UPI_Circle\" >What is the Purpose of the UPI Circle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#How_does_UPI_Circle_work_in_Google_Pay\" >How does UPI Circle work in Google Pay?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#How_to_Set_Up_UPI_Circle\" >How to Set Up UPI Circle?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#What_are_the_requirements_for_adding_secondary_users\" >What are the requirements for adding secondary users?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#UPI_Circle_Feature_Types_of_Delegation\" >UPI Circle Feature: Types of Delegation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#NPCI_Guidelines_for_Primary_and_Secondary_UPI_Users\" >NPCI Guidelines for Primary and Secondary UPI Users<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#NPCI_Guidelines_for_UPI_Companies\" >NPCI Guidelines for UPI Companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#Steps_to_Make_Payments_Using_UPI_Circle\" >Steps to Make Payments Using UPI Circle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#UPI_Circle_Transaction_Limit\" >UPI Circle Transaction Limit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#Benefits_of_UPI_Circle_for_Managing_Group_Payments\" >Benefits of UPI Circle for Managing Group Payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#How_to_Add_Friends_and_Manage_UPI_Circle_Groups\" >How to Add Friends and Manage UPI Circle Groups?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#User_Limits_for_UPI_Circle\" >User Limits for UPI Circle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#Tips_to_Make_Your_Transactions_More_Secure\" >Tips to Make Your Transactions More Secure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/razorpay.com\/blog\/what-is-upi-circle\/#Frequently_Asked_Questions_FAQs\" >Frequently Asked Questions (FAQs):<\/a><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"ltr\" data-line-height-align=\"2.4\"><span class=\"ez-toc-section\" id=\"What_Is_UPI_Circle\"><\/span>What Is UPI Circle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">UPI Circle is a solution that lets a primary user authorise a secondary user to make UPI transactions from their bank account. The primary user sets transaction limits, ensuring control and security.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">This feature is ideal for families, business owners, and students, enabling shared access to payments while maintaining transparency. It reduces dependency on cash or separate accounts by enabling a shared financial workflow without compromising on safety.<\/p>\n<div style=\"border-left: 4px solid #0073aa; background: #f0f8ff; padding: 15px; margin: 20px 0; border-radius: 5px;\">\n<h2 style=\"color: #0073aa; font-size: 18px; margin: 0 0 8px 0; display: inline-block;\"><span class=\"ez-toc-section\" id=\"Key_takeaways\"><\/span>Key takeaways<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul style=\"display: inline-block; margin: 0 0 0 10px; padding-left: 18px; vertical-align: top;\">\n<li>UPI Circle lets a primary UPI user authorise secondary users to make payments from their bank account, with controlled limits and permissions.<\/li>\n<li>Users can choose full or partial delegation, allowing secondary users either independent spending rights or requiring approval for each transaction.<\/li>\n<li>NPCI guidelines ensure security and control through per-transaction and monthly limits, along with separate authentication for secondary users.<\/li>\n<li>Ideal for families and small groups, UPI Circle simplifies shared payments, reduces reliance on cash, and maintains visibility and oversight.<\/li>\n<\/ul>\n<\/div>\n<h2 dir=\"ltr\" data-line-height-align=\"2.4\"><span class=\"ez-toc-section\" id=\"How_Does_UPI_Circle_Work\"><\/span>How Does UPI Circle Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 1: <\/strong>The primary user initiates a UPI Circle in their preferred UPI app.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 2: <\/strong>The secondary user is added to the Circle via their <a href=\"https:\/\/razorpay.com\/learn\/what-is-upi-id\/\">UPI ID<\/a> or by scanning a QR code.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 3:<\/strong> The primary user sets transaction limits and authorisation preferences, choosing between full or partial delegation.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 4:<\/strong> The secondary user receives and accepts the UPI Circle invitation.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 5:<\/strong> Once the setup is complete, the secondary user can make UPI transactions within the permissions and limits defined by the primary user.<\/li>\n<\/ul>\n<h2 data-start=\"86\" data-end=\"111\"><span class=\"ez-toc-section\" id=\"What_is_the_Purpose_of_the_UPI_Circle\"><\/span><strong data-start=\"86\" data-end=\"111\">What is the Purpose of the UPI Circle<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"\" data-start=\"113\" data-end=\"231\">UPI Circle was introduced with the goal of making digital payments more inclusive and accessible. Here\u2019s how it helps:<\/p>\n<ul>\n<li data-start=\"235\" data-end=\"394\">Enables digital payments for kids and elders who don\u2019t have their own bank account, by allowing them to transact through a trusted family member or friend.<\/li>\n<li data-start=\"397\" data-end=\"526\">Reduces dependency on cash by bringing more people, especially those without bank accounts, into the digital payment ecosystem.<\/li>\n<li data-start=\"529\" data-end=\"684\">Boosts the number of UPI users by extending the benefits of UPI to individuals who were previously excluded due to the lack of a personal bank account.<\/li>\n<\/ul>\n<h2 dir=\"ltr\" data-line-height-align=\"2.4\"><span class=\"ez-toc-section\" id=\"How_does_UPI_Circle_work_in_Google_Pay\"><\/span>How does UPI Circle work in Google Pay?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">1. Initiating UPI Circle:<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The primary user opens the Google Pay app and selects the UPI Circle feature. They can add trusted individuals, such as family or friends, to the Circle.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">2. Adding a Secondary User:<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The secondary user is added by either scanning a QR code or providing their UPI ID. The primary user ensures the secondary user is in their contact list.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">3. Setting Delegation Type:<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The primary user sets the delegation type \u2014full or partial. They can configure these settings based on the level of control they want.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">4. Secondary User Accepts the Invite:<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The secondary user receives an invitation to join the UPI Circle and must accept it to gain access.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">5. Payment by Secondary User:<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The secondary user can now make payments using the UPI Circle account. The primary user\u2019s linked bank account is used for transactions within the defined limits or after approval, depending on the setup.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">6. Approval for Payments (if applicable):<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">If the primary user has chosen partial delegation, they receive a request for payment, which they can either accept or decline.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"How_to_Set_Up_UPI_Circle\"><\/span>How to Set Up UPI Circle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 1:<\/strong> Open the BHIM-UPI app and tap on the \u2018UPI Circle\u2019 option. On the new page, select \u2018Add Family or Friends.\u2019 You can add members by scanning their QR code or entering their UPI ID.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 2:<\/strong> Use the <a href=\"https:\/\/razorpay.com\/learn\/what-is-upi-id\/\">UPI ID<\/a> option. Enter the UPI ID of the person you want to add, then tap \u2018Add to my UPI Circle.\u2019 Next, provide their phone number (which must be on your contact list).<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 3:<\/strong> Choose an access type \u2014 \u2018Spend with Limits\u2019 or \u2018Approve Every Payment.\u2019 The first option lets you set a transaction limit, while the second requires your approval for every transaction. Select the option that suits your needs and click \u2018Proceed.\u2019<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Step 4:<\/strong> If you choose \u2018Spend with Limits,\u2019 set the monthly limit, end date, and bank account for transactions. Click \u2018Proceed,\u2019 enter your <a href=\"https:\/\/razorpay.com\/blog\/how-to-create-upi-id-without-bank-account\/\">UPI PIN<\/a>, and confirm the setup. Once done, the secondary user is added to your UPI Circle.<\/li>\n<\/ul>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"What_are_the_requirements_for_adding_secondary_users\"><\/span>What are the requirements for adding secondary users?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">To add a secondary user in UPI Circle, the following requirements must be met:<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">1. The primary user must have a bank account linked to a UPI app like Google Pay, BHIM, or similar.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">2. The secondary user must have a valid UPI ID, which must be saved in the primary user\u2019s contact list.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Here are the steps to add a secondary user:<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">Step 1: Secondary User Shares QR Code<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The secondary user generates and shares their <a href=\"https:\/\/razorpay.com\/qr-code\/\">UPI QR code<\/a> with the primary user. Alternatively, they can provide their UPI ID for manual addition.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">Step 2: Primary User Verifies the Secondary User<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The primary user verifies the secondary user\u2019s details, including their UPI ID and contact number.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">Step 3: Primary User Selects Full or Partial Delegation<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The primary user decides the delegation type\u2014full or partial\u2014based on their requirements.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">Step 4: Secondary User Accepts the Request<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The secondary user reviews and accepts the request to complete the setup.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"UPI_Circle_Feature_Types_of_Delegation\"><\/span>UPI Circle Feature: Types of Delegation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The UPI Circle feature introduces the concept of delegation, allowing a primary user to share transaction access with a secondary user. This delegation can be customised based on specific requirements, with two types of access: full delegation and partial delegation.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Both options provide flexibility for managing payments, whether you prefer full control or limited access. Here\u2019s how each type works:<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">1. Full Delegation<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">In full delegation, the secondary user has complete access to make transactions without requiring prior approval from the primary user. This type is ideal for trusted users, such as family members or key employees, where efficiency and independence are crucial.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Benefits:<\/p>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">It simplifies and speeds up transactions, making the process more efficient.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">It reduces over-reliance on the primary user by enabling others to manage tasks independently.<\/p>\n<\/li>\n<\/ul>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">2. Partial Delegation<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">In partial delegation, the primary user sets specific limits or requires approval for each transaction initiated by the secondary user. This ensures tighter control while still allowing flexibility.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Benefits:<\/p>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">It ensures spending is well-controlled and within limits.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">It provides transparency and security by allowing every transaction to be tracked clearly.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"95\" data-end=\"150\"><span class=\"ez-toc-section\" id=\"NPCI_Guidelines_for_Primary_and_Secondary_UPI_Users\"><\/span><strong data-start=\"95\" data-end=\"150\">NPCI Guidelines for Primary and Secondary UPI Users<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"\" data-start=\"152\" data-end=\"290\">To ensure UPI Circle offers a secure and reliable way to delegate access, NPCI has set the following guidelines as key security protocols:<\/p>\n<ul>\n<li data-start=\"294\" data-end=\"443\">Both primary and secondary users must have separate, independent user journeys on UPI and PSP apps, allowing each to use any UPI app of their choice.<\/li>\n<li data-start=\"446\" data-end=\"550\">Secondary users are required to authenticate transactions via biometric verification or an app password.<\/li>\n<li data-start=\"553\" data-end=\"748\">A primary user can authorize up to 5 secondary users or devices, but each secondary user can be linked to only one primary user\u2014multiple primary users for a single secondary user are not allowed.<\/li>\n<li data-start=\"751\" data-end=\"855\">Secondary users have a monthly transaction limit of Rs. 15,000 and a per-transaction limit of Rs. 5,000.<\/li>\n<li data-start=\"858\" data-end=\"924\">For partial delegation, the existing UPI transaction limits apply.<\/li>\n<li data-start=\"927\" data-end=\"1018\">The primary user decides whether to grant full or partial authorization to secondary users.<\/li>\n<li data-start=\"1021\" data-end=\"1102\">The primary user maintains full control over the secondary user\u2019s UPI activities.<\/li>\n<li data-start=\"1105\" data-end=\"1240\">For newly linked UPI IDs, both primary and secondary users have a reduced per-transaction limit of Rs. 5,000 during the first 24 hours.<\/li>\n<li data-start=\"1243\" data-end=\"1359\">The primary user can access the secondary user\u2019s transaction history, including the complete bank account statement.<\/li>\n<\/ul>\n<h2 data-start=\"1361\" data-end=\"1409\"><span class=\"ez-toc-section\" id=\"NPCI_Guidelines_for_UPI_Companies\"><\/span><strong data-start=\"1361\" data-end=\"1409\">NPCI Guidelines for UPI Companies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li data-start=\"1413\" data-end=\"1553\">Existing RBI guidelines on \u2018Harmonization of Turnaround Time\u2019 and customer compensation for failed authorized transactions must be followed.<\/li>\n<li data-start=\"1556\" data-end=\"1618\">The Online Dispute Resolution (ODR) facility remains in place.<\/li>\n<li data-start=\"1621\" data-end=\"1720\">All existing UPI regulations remain effective unless a new notice specific to the UPI Circle is issued.<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1722\" data-end=\"2021\">NPCI introduced this feature to support families where only one member has a bank account and a linked UPI ID. Now, other family members can access the shared UPI ID securely. The primary user manages access and limits, ensuring safe and controlled use of the shared account while preventing misuse.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Steps_to_Make_Payments_Using_UPI_Circle\"><\/span>Steps to Make Payments Using UPI Circle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">UPI Circle makes transactions seamless by enabling secondary users to request payments while allowing the primary user to maintain control based on the delegation type. Here&#8217;s how the process works:<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">Step 1: Secondary User Requests Payment<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The secondary user initiates a payment request through their UPI app by entering the amount and selecting the transaction type. Depending on the delegation type, they can proceed directly (if within limits) or notify the primary user for approval.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">Step 2: Primary User Confirms the Payment<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The primary user receives a notification to approve the transaction for partial delegation. Once reviewed, the primary user confirms the payment by entering their UPI PIN. For full delegation, no additional approval is needed if the transaction is within the pre-set limits.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"UPI_Circle_Transaction_Limit\"><\/span>UPI Circle Transaction Limit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">In UPI Circle, the primary user determines the monthly spending limit for the secondary user, which can be up to \u20b915,000 as per guidelines set by the <a href=\"https:\/\/razorpay.com\/learn\/national-payments-corporation-of-india-services\/\">National Payments Corporation of India (NPCI)<\/a>. This cap ensures control and secures financial access.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">For transactions within the set limit, the secondary user can initiate and complete payments without needing the primary user to enter a <a href=\"https:\/\/razorpay.com\/learn\/what-is-a-upi-pin\/\">UPI PIN<\/a>. This feature simplifies small and frequent transactions, making it more convenient for trusted users.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Benefits_of_UPI_Circle_for_Managing_Group_Payments\"><\/span>Benefits of UPI Circle for Managing Group Payments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">UPI Circle makes splitting and managing group expenses seamless and efficient. Whether it\u2019s sharing bills, pooling money for gifts, or dividing costs for shared subscriptions, this feature streamlines the process by enabling easy delegation and control over payments.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">With UPI Circle, you can track contributions and payments in real-time, ensuring full transparency among group members. This reduces confusion and eliminates the need for manual calculations or repeated reminders.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"2.4\"><span class=\"ez-toc-section\" id=\"How_to_Add_Friends_and_Manage_UPI_Circle_Groups\"><\/span>How to Add Friends and Manage UPI Circle Groups?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">UPI Circle allows you to easily add or remove members and assign roles to manage group payments effectively.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">1. Adding Members:<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Open your UPI app and select the \u2018UPI Circle\u2019 option. Tap \u2018Add Family or Friends\u2019 and enter the UPI ID or scan the QR code of the person you wish to add. Assign their role as a secondary user and set transaction limits or permissions based on your preferences.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">2. Removing Members:<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">To remove a member from your UPI Circle, open the Circle settings in your UPI app. Select the member you wish to remove and confirm your action to complete the process.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Managing Group Settings:<\/p>\n<ul>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Set Transaction Limits:<\/strong> Define monthly or per-transaction caps to maintain control over spending.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Monitor Activity:<\/strong> Regularly review transaction history within the group to ensure transparency and accountability.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Adjust Permissions:<\/strong> Modify roles or access levels as needed, such as switching between full and partial delegation.<\/li>\n<\/ul>\n<h2 dir=\"ltr\" data-line-height-align=\"2.4\"><span class=\"ez-toc-section\" id=\"User_Limits_for_UPI_Circle\"><\/span>User Limits for UPI Circle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">In a UPI Circle, the primary user can add up to five secondary users. This feature makes it ideal for families, dependents, or small groups where shared access to transactions is required. By allowing multiple secondary users, the UPI Circle ensures flexibility in managing finances while maintaining control.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Tips_to_Make_Your_Transactions_More_Secure\"><\/span>Tips to Make Your Transactions More Secure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\">1. Enable an App Lock for UPI Apps<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Adding an app lock to your UPI app adds an essential layer of security. This feature prevents unauthorised access, ensuring only you can access your financial details and conduct transactions. Set up a lock on your <a href=\"https:\/\/razorpay.com\/blog\/upi-frauds-types-tactics\/\">UPI app<\/a> to safeguard your funds from potential threats.<\/p>\n<h3 dir=\"ltr\">2. Use Strong UPI PINs and Enable Two-Factor Authentication<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">A strong UPI PIN, which includes a combination of numbers, reduces the risk of unauthorised access. Always avoid simple or predictable PINs. Additionally, enabling two-factor authentication where possible provides extra protection, requiring more than just your PIN to complete a transaction.<\/p>\n<h3 dir=\"ltr\">3. Review Transaction Requests Carefully<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Always double-check transaction details, especially if you\u2019ve partially delegated transaction authority. A mistake in the transaction amount or recipient can result in financial loss. Be vigilant before confirming any payment to ensure the transaction is legitimate.<\/p>\n<h2 data-start=\"74\" data-end=\"88\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong data-start=\"74\" data-end=\"88\">Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"90\" data-end=\"731\">UPI Circle is an innovative feature that simplifies and secures the way multiple users can access and manage UPI transactions from a single bank account. By allowing flexible delegation\u2014whether full or partial\u2014the primary user retains complete control while enabling trusted secondary users to make payments within set limits. This feature promotes financial inclusion by bringing family members, students, and small business teams into the digital payment ecosystem safely and conveniently.While UPI Circle simplifies shared payments, features like <a href=\"https:\/\/razorpay.com\/upi-autopay\/\">UPI Autopay<\/a> enable fully automated recurring transactions for businesses and subscriptions. With robust security protocols and clear transaction controls, UPI Circle makes managing shared payments easy, transparent, and secure for all users.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs):<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">1. When will UPI Circle launch for PhonePe?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">As of now, there is no official announcement regarding the launch of UPI Circle on PhonePe. However, the feature is expected to be available on PhonePe soon.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">2. What happens if I remove a member from my UPI Circle?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Removing a member from your UPI Circle revokes their access to perform transactions using your UPI account. This means the individual will no longer be able to initiate payments or access your account for transactions.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">3. Can I use UPI Circle for business transactions?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">While UPI Circle is generally designed for personal use, it can be used in specific business scenarios. For example, as a car rental service owner, you can use UPI Circle to delegate payment responsibilities to your drivers, allowing them to make petrol payments and cover their own expenses.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">4. How do I check transaction history in UPI Circle?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">To check your transaction history in UPI Circle, open your UPI-enabled app and navigate to the transaction history section. Here, you can view all the transactions made within your circle, including those initiated by members.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">5. Is there a fee for using UPI Circle in Google Pay?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">UPI Circle is yet to launch on the Google Pay app. Currently, there are no details about any fees associated with using the feature. Typically, UPI-based services do not charge additional fees, but it&#8217;s best to check the app&#8217;s terms and conditions for any updates once the feature is available.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">6. Can I use UPI Circle with international bank accounts?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">UPI Circle is designed for use with Indian bank accounts and UPI IDs. Currently, it does not support international bank accounts. Alternative payment methods or services may be more appropriate for transactions involving international accounts.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Is UPI Circle? UPI Circle is a solution that lets a primary user authorise a secondary user to make UPI transactions from their bank account. The primary user sets transaction limits, ensuring control and security. This feature is ideal for families, business owners, and students, enabling shared access to payments while maintaining transparency. It<\/p>\n","protected":false},"author":129,"featured_media":21517,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[881,882],"class_list":{"0":"post-20160","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-upi-circle","9":"tag-what-is-upi-circle"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/20160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/129"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=20160"}],"version-history":[{"count":9,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/20160\/revisions"}],"predecessor-version":[{"id":26749,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/20160\/revisions\/26749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/21517"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=20160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=20160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=20160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}