UPI Lite: How does UPI Lite work without a PIN code? Here's how to use it on GPay and PhonePe...

UPI Lite: To make digital payments faster and easier, NPCI offers the UPI Lite feature. With this feature, small amount payments can be made without entering a UPI PIN. UPI Lite is useful for people who make small payments multiple times a day for things like tea, auto-rickshaws, vegetables, or to small shopkeepers. This feature is also available in apps like Google Pay and PhonePe. UPI Lite is considered very useful, especially for everyday small expenses.

What is UPI Lite, and why was it introduced?
UPI Lite works like an on-device wallet. Payments can be made without a PIN code. Eliminating the need to enter a PIN repeatedly makes the payment process easier. This also reduces the load on the UPI network.

How does payment work without a UPI PIN?
In UPI Lite, the user first has to add a fixed amount to the wallet. After that, small amounts payments are made directly from this balance. A ​​UPI PIN is not required for these transactions every time. The PIN is only needed when adding money to the UPI Lite wallet.

How to activate it in Google Pay and PhonePe
The UPI Lite option is available in the settings or payment section of the Google Pay and PhonePe apps. The user has to add money to the UPI Lite wallet from their bank account. Once activated, small amount payments can be made directly from UPI Lite. The app itself shows whether the payment will be made from UPI Lite or regular UPI.

How to activate UPI Lite in Google Pay
Open the Google Pay app on your phone. Tap on your profile picture in the upper right corner. Now select the Pay PIN-free UPI Lite or Activate UPI Lite option. Then enter the amount you want to add to the UPI Lite wallet. This amount can be up to a maximum of Rs. 5,000. Enter your UPI PIN once to confirm the initial load. After this, UPI Lite will be activated.

How to activate UPI Lite in PhonePe
First, open the PhonePe app on your phone. You will see the UPI Lite banner or option on the home screen, tap on it. If you don't see it there, you can go to the Settings or Payment Methods section and select UPI Lite.

Now, tap on Add Funds and enter the amount you want to add to your UPI Lite wallet, such as ₹500 or ₹1000. Then, select your bank account.

Enter your UPI PIN once to confirm the amount. As soon as you enter the PIN, the money will be added to your UPI Lite balance. Your UPI Lite account will then be ready for small and quick payments.

How to make payments with UPI Lite
Open the Google Pay or PhonePe app and select the person or shop you want to pay. Now, enter the amount. You can pay a maximum of ₹1,000 at a time. Tap on the blue Pay arrow. Under "Choose account to pay with," select the UPI Lite option. The payment will be completed instantly, and you won't need to enter your UPI PIN.

Most beneficial for which users?
UPI Lite is useful for people who make small payments multiple times a day. This feature saves time when paying for tea, auto-rickshaws, vegetables, or small shopkeepers. This feature is also considered easy for elderly or less tech-savvy users. Overall, it is an important step towards making digital payments even smoother.

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