How to Set up UPI Circle in GPay – Primary, Secondary User Step by Step Guide

Google Pay is introducing an innovative feature called UPI Circle, designed to make digital payments more accessible and convenient for everyone. This feature allows you to empower your close ones to make digital payments without linking their own bank accounts. Here’s a detailed guide on how to set up and use UPI Circle in Google Pay.

What is UPI Circle?

UPI Circle is a new feature in Google Pay that enables users to help their trusted contacts make digital payments. It’s particularly useful for:

1. Users without a bank account
2. Users with a bank account on Google Pay who want to use UPI Circle for specific transactions
3. Users who find it inconvenient to be physically present for payments

More Information on UPI Circle HERE

The feature offers two options:

1. Full delegation: Set a monthly limit (up to ₹15,000) for secondary users to make payments within that limit.
2. Partial delegation: Retain full control by approving each payment request initiated by the secondary user.

How to Set Up UPI Circle in GPay

Step 1: Add a Secondary User

As a primary user (the person who pays on behalf of others), you need to add a secondary user (the person who initiates payment requests). Here’s how:

1. Ensure you have an active bank account or payment method on Google Pay.
2. The secondary user’s mobile number should be in your contact list.
3. The secondary user should have a valid UPI ID.

Step 2: Secondary User Generates QR Code

1. The secondary user opens their UPI app and taps the QR code icon in their profile section.
2. They show or share this QR code with you (the primary user).

Step 3: Primary User Scans QR Code

• Open Google Pay and tap your profile picture or initials at the top right.
• Select “UPI Circle” from the list.

• Tap “Scan QR to add a contact.”
• Scan the QR code or upload it from your gallery.

Step 4: Verify Contact

1. Confirm that you’re adding a trusted contact as a secondary user.
2. Search for the secondary user’s contact in your list and verify it.

Step 5: Choose Approval Method

Decide how you want to approve payments:

Partial delegation: Approve every payment

• You’ll receive a notification for each payment request.
• You must make the payment within 10 minutes.

Full delegation: Approve a monthly amount

• Set a monthly limit (up to ₹15,000) and an end date (1 month to 5 years).

👉 Select the payment method for secondary user payments.

👉 Enter your UPI PIN to send the request to the secondary user.

Step 6: Secondary User Accepts Request

1. The secondary user receives your request.
2. They must accept it within 30 minutes to join your UPI Circle.

Making Payments with UPI Circle with Google Pay

For Partial Delegation:

1. The secondary user scans a QR code at a store and enters payment details.
2. You receive a notification with a unique sound.
3. Open the request, tap “continue to pay,” confirm the amount, and enter your PIN to complete the payment.

For Full Delegation:

1. The secondary user can make payments up to the approved monthly amount.
2. The maximum limit for a single transaction is ₹5,000.
3. Secondary users can make PIN-free payments within these limits.

How to Track UPI Circle Requests and Relationships in Gpay App

Both primary and secondary users can track the status of active requests:

1. From the homepage, tap on the chat head of the secondary/primary user.
2. Check the UPI Circle section in your profile for a list of active requests and relationships.

Google Pay UPI Circle Security Highlights

UPI Circle prioritizes security to ensure all transactions are safe and authorized:

✅ UPI PIN Protection: Every payment is protected by the UPI PIN, ensuring only authorized transactions occur.

✅ Trusted Contacts: Adding a secondary user requires verification of their contact details, helping you ensure payments are made only to trusted individuals.

✅ Transaction Limits: The feature’s transaction limits (₹15,000 monthly, ₹5,000 per transaction) help manage and control spending.

Tips for Using UPI Circle

To get the most out of UPI Circle, consider these tips:

✅ Review Limits Regularly: Keep track of the monthly limits you set for secondary users to ensure they meet your needs.

✅ Update the App: Make sure both primary and secondary users keep their Google Pay app updated to avoid any compatibility issues.

✅ Verify Contacts Carefully: Double-check the contact details when adding a secondary user to avoid authorizing payments to the wrong person.

GPay UPI Circle : Common Issues and Solutions

If you run into any issues while setting up or using UPI Circle, here are some quick fixes:

✅ QR Code Not Scanning: Ensure that the QR code is clear and properly aligned within the scanner frame. Clean your camera lens if necessary.

✅ UPI PIN Errors: Double-check the UPI PIN entered. If forgotten, you can reset the PIN through the bank account settings in Google Pay.

✅ Request Timeout: Remember that payment requests need to be accepted or acted upon within the specified time (10 minutes for partial delegation, 30 minutes for the secondary user’s acceptance of setup requests).

UPI Circle GPay : FAQs

Quick Links

UPI Circle Info by NPCI	Read Here
GPay UPI Circle Info by Google	Read Here

UPI Circle is an exciting new feature that makes digital payments more inclusive and convenient. By following these steps, you can easily set up and use UPI Circle to help your trusted contacts make digital payments securely and efficiently.