UPI: This feature of UPI is very useful, payment will be done even if there is '0' rupees in the account, see the process..

The purpose of UPI Circle is to make UPI more convenient. Under this, even those people who do not have an account will be able to make UPI payments. This has proved to be a better option for children and elderly people, especially those who live in villages. Even if there is zero in your account. The only condition is that the child or elderly person has been included in the UPI Circle by a relative or friend.

First, let us know how this process works.

How does UPI Circle work?

Two different parties are included in the UPI Circle. The first is those whose bank account is being added. Payment is made from this bank account. They are called primary users. The second is those who will make payments from the accounts of others, they are called secondary users.

Now first the primary user will have to send an invite to his relative or friend to include them in the circle.

After this, the invite sent to the secondary user will have to be accepted through the UPI app.

The primary user can choose payment in two ways. First, he can fix a fixed amount for payment for a fixed period. In the second option, every payment request made by the secondary user will come to him.

Now the further process will work in two ways. In the first process, the user can make payment from the primary user's account up to a limit without sending a request. Second, he will have to send a request first for every payment.

Then the payment will be completed only when the request is accepted by the primary user.

After the transaction is completed, the payment amount and related information will be visible in the history of only two users.

This is how UPI Circle works. Now any user can make payment without an account.