Who Can Use And How To Set Up Account

Google Pay has introduced Pocket Money on UPI Circle, allowing users to help friends and family make UPI payments without requiring them to have a bank account. Explaining how UPI Circle works, Google said: “As an existing UPI user on Google Pay, you’re a Primary user and you can add family members, friends or employees. They become a Secondary user to your UPI Circle.”

Secondary users can then make payments with the help of the Primary user’s bank account, simplifying digital transactions. This feature is ideal for managing allowances, supporting dependents or assisting employees with payments. “As a Primary user, you can set transaction limits and payment authorisation,” Google noted.

There are two ways to do this. In Google Pay’s UPI Circle, Primary users can control spending by setting transaction limits and payment approvals. With full delegation, you can assign a monthly limit of up to Rs 15,000. This allows Secondary users to pay directly within the limit. 

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With partial delegation, every payment requires the primary user’s approval. This means that Secondary users must send a request for each transaction.

How Pocket Money On UPI Circle Works

• To be a Primary user, you must have an active bank account on Google Pay.
• You can add a maximum of 5 Secondary users.
• To add a secondary user to your UPI circle, please ensure:
• Their number is saved in your phone contacts.
• They have the Google Pay app registered with their phone number.
• They have a UPI ID or a UPI Circle QR.

How To Set UP Pocket Money Feature In Gpay

• Open Google Pay app and visit UPI Circle
• Search and select the Secondary user’s name or phone number.
• Scan the selected contact’s UPI Circle QR code and set up approval settings.
• You can either select, “Approve every payment” or “Set a monthly limit:”
• Set a preferred monthly limit in case of option 1. 
• Add additional details for a Secondary user such as relationship, government ID number.
• Choose your bank account for them and then click on invite.
• To send an invite, you will need to enter your UPI PIN.

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