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Google Pay is going to start its services on UPI Circle soon. UPI Circle is a feature that allows two or more people to make UPI payments from the same bank account. This plan is currently being tested on a pilot basis among select user groups. In this feature, a person can allow multiple members of his family to make UPI payments from his bank account. Such a person is called the primary account holder. Let's know about it in detail.
Two options for delegation
The primary user can authorize his family members to use his bank account. In such a case, the family members will be called secondary users. The primary user can give full or partial authorization to the secondary user. In full delegation, the primary user can set a payment limit of up to Rs 15,000 per month. The secondary user can make UPI payments within this limit.
In partial delegation, the primary user retains full control over the transactions. He reviews and approves each transaction or payment request initiated by the secondary user. In both types of delegation, the secondary user has to accept the request within 30 minutes of the primary user's request to be added to the UPI circle. The secondary user will be able to add the primary user to the UPI circle only if the secondary user's mobile number is saved in his phone's contact list.
How to Join UPI Circle
To join the UPI circle, the secondary user has to open his Google Pay UPI app. Then go to the profile section and tap on the QR code icon. This will allow the primary user to scan the QR code shared by the secondary user and add him to the UPI circle.
Make someone you trust a secondary user
The primary user has to keep in mind that he is adding a trusted person as a secondary user. The primary user has to decide whether he wants to give partial delegation or full delegation to the secondary user. In partial delegation, the primary user will receive a notification on every payment request from the secondary user. He has to approve the request within 10 minutes.
Benefits of Full Delegation
In full delegation, if the primary user has set a monthly limit of Rs 5,000 for the secondary user, the secondary user can make payments multiple times within this limit. He does not need to seek approval from the primary user for every payment. In full delegation, the primary user can specify the expiry date of this facility.
The secondary user must accept the request
After the primary user sends the request, the secondary user receives an invitation to join the UPI circle. He accepts the request and becomes part of the primary user's UPI circle.