Saturday, May 18, 2024

Exploring UPI Lite: Sending Money Without PIN on GPay, Paytm, and PhonePe

In September 2022, the Reserve Bank of India (RBI) introduced UPI Lite, a simplified version of the original UPI payment system. UPI Lite is designed to facilitate quick and small balance payments without the need for a UPI PIN. This article will guide you through the process of using UPI Lite on popular payment gateways such as GPay, Paytm, and PhonePe. We will explore how to set up UPI Lite, add funds to your UPI Lite balance, make transactions, and more.

What is UPI Lite?

UPI Lite is a convenient on-device wallet that enables users to make quick, low-value transactions without the hassle of entering a UPI PIN for every payment. With UPI Lite, users can send money without PIN authentication, making it ideal for small, frequent payments.

Setting Up UPI Lite

To begin using UPI Lite on GPay, follow these steps:

  1. Open the Google Pay app.
  2. Click on your profile image located in the upper right corner..
  3. Tap on “Pay Pin Free UPI Lite.”
  4. Follow the on-screen instructions to add money to your UPI Lite balance, with a maximum limit of Rs 2,000.
  5. Choose a compatible bank account that enables UPI Lite functionality in order to add funds..

Using UPI Lite on GPay:

Once you have set up UPI Lite and added funds to your UPI Lite balance, you can make payments without entering your UPI PIN:

  1. Simply select the UPI Lite option when prompted to enter your UPI PIN during a transaction.
  2. Payments made through UPI Lite are limited to Rs 200 per transaction.

Using UPI Lite on PhonePe:

To use UPI Lite on PhonePe, follow these steps:

  1. Open the PhonePe app.
  2. On the PhonePe app home screen, tap on “UPI Lite.” Alternatively, tap your profile picture and select “UPI Lite” under the Payment Methods section.
  3. Follow the on-screen instructions to add money to your UPI Lite balance, with a maximum limit of Rs 2,000.
  4. Once you have added money to your UPI Lite balance, you can make payments of up to Rs 200 without entering your UPI PIN.

Simplified Payments with UPI Lite on Paytm:

Paytm also offers UPI Lite functionality. Here’s how to use it:

  1. Open the Paytm app.
  2. On the home page, find and click on “Introducing UPI Lite.”
  3. Select a linked bank account supported by Paytm UPI Lite.
  4. Add money to your UPI Lite balance.
  5. Once the money has been added, you can pay recipients by scanning a QR code or using a mobile number linked with a UPI ID.

Additional Features of UPI Lite:

  • UPI Lite has a daily limit of Rs 4,000, allowing users to transact up to this amount in a day.
  • Users can add up to Rs 2,000 to their UPI Lite balance twice a day.
  • UPI Lite users have the flexibility to close their account at any time.
  • Transferring funds from UPI Lite to a linked bank account can be done with a single click, without incurring any fees.

Final Words

With the introduction of UPI Lite, sending money without entering a UPI PIN has become easier and more convenient. Platforms like GPay, Paytm, and PhonePe offer UPI Lite functionality, allowing users to make quick, small balance payments effortlessly.

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