Outlook Business Desk
PhonePe has introduced its UPI Circle on April 15, 2025, allowing users to create payment circles for trusted contacts. It enables delegated payments and allows dependents to generate their own UPI ID without needing a bank account.
Delegated payments just got easier and safe. This feature helps users delegate transactions to others in a secure manner. Ideal for families, small teams, or assistants.
A trusted group for delegated payments. UPI Circle allows a payer to authorize another person to make UPI transactions from their account with set limits.
According to National Payments Corporation (NPCI), UPI Circle is a feature that lets a payer authorize another person to make transactions from their UPI account within set limits. It ensures delegated access with built-in risk controls and minimal involvement from the primary use.
Know the roles in UPI circle the primary user delegates payment rights, while the secondary user makes UPI payments even without linking a bank account.
Go to UPI settings, tap 'UPI Circle', add members, and define their transaction roles and limits. Add trusted users on PhonePe.
You stay in charge of the access. The primary account holder can edit, limit, or revoke a member’s ability to make payments anytime.