UPI works even without internet; here's how to set up the new feature on your phone.

UPI X Lite: Payments are possible without internet access with UPI X Lite. Learn how to activate it, how it works, and which users are most beneficial for it.

Digital payments are steadily expanding in India, and a new lightweight yet highly functional version of UPI, UPI X Lite, is rapidly gaining popularity. This feature makes payments easier even in areas where the internet is weak or nonexistent. Based on NFC technology, this system processes payments directly from your phone's wallet, eliminating the need to connect to a bank server each time.

How UPI X Lite Works

Upon activating UPI X Lite, the user preloads money into their wallet. This balance can then be used to complete transactions even without internet access. The unique feature is that this feature allows payments to be made via NFC simply by tapping the phone. However, the person you're sending money to must also have this feature enabled on their phone. The maximum transaction limit is currently set at ₹500, and the receiver will receive the money only if their phone is connected to the internet. It also has a four-day validity period.

Why UPI X Lite is Special

Payment failures are common in areas with poor network coverage. In such a situation, UPI X Lite emerges as a reliable option. This feature can prove to be very useful for everyday small purchases, cashless transactions, and quick payments. Since it eliminates the need to repeatedly enter the UPI PIN, it makes it even faster and more convenient.

How to Set Up Your Phone

To use this feature, your smartphone must have NFC support. Then, download BHIM or any banking app that supports UPI X Lite. After linking your bank account and setting the UPI PIN in the app, go to your phone's settings and enable the Tap & Pay or UPI X Lite option. After this, you can add a maximum balance of up to ₹2,000 to your wallet. When making a payment, simply tap your phone against an NFC terminal or soundbox, and the transaction is completed instantly.

Who is this feature for?

UPI X Lite can prove extremely useful for people who travel frequently, live in rural areas, or experience network issues. This feature is considered a major step towards making digital payments even simpler and more reliable.