Digital payment has now become a part of our daily life. In India, online payment is being done everywhere from tea to taxi. To make this digital revolution easier, PhonePe has launched a great feature which is especially for those who do not have a bank account or who do not use internet banking.
What is PhonePe’s new UPI Circle feature? PhonePe has launched a feature called UPI Circle
for its crores of users . Through this feature, you can now make payments even for those who do not have their own bank account. This means that now you will be able to make UPI payments for your family or friends even if they do not have a bank account.
How will this new feature work?
To use this feature, first you have to add the member for whom you want to make payment to your PhonePe account. When that member scans the QR code at a shop, the payment request will come directly to you. Then you can make his payment from your account. In this way, he can become a part of digital payment even without a bank account.
NPCI removed the biggest hurdle
The credit for launching this feature goes to NPCI i.e. National Payments Corporation of India. Earlier this feature was limited to Google Pay only but now it has been implemented on PhonePe as well. PhonePe gave this information through its official X (earlier Twitter) handle.
Who will get the most benefit?
This feature will be especially beneficial for the elderly, people living in rural areas and those families whose members know how to use a smartphone but are not connected with banking. Now their children or relatives can make payments for them and they can also make purchases by scanning the QR code.
How to add members and make payment?
- First, update your PhonePe app
- Go to the app and   click on the UPI Circle feature
- Add the person you want to pay for as a member
- When that person makes a payment at a shop, you will receive a request
- You can make payment from your bank account
Another step towards Digital India
This new feature of PhonePe is another big step towards Digital India. This will benefit crores of people of the country who were not able to connect with digital payments till now. Those who were left behind due to not having a bank account, now do not need to depend on anyone.
Caution is also important
Although this feature is very beneficial, it is also important to be cautious while using it. Before making payment on any request, check that it is from a trustworthy person. Also, keep the limit and security settings of the payment request active so that there is no problem.
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