Online payment without PIN or Internet, UPI Lite


New Delhi. UPI is used very quickly today. To use this service, you must use your PIN code and the payment is made. To make this service easier, the government launched the UPI Lite service. It is an on-device wallet facility that allows users to make payments up to Rs 200 without using any UPI PIN. So, let’s find out the features and benefits of UPI Lite.

What is UPI Lite:
Simply put, UPI Lite is an on-device wallet. To use it, customers need to put money from their bank account into the app’s wallet. As it is an on-device wallet, users do not need the internet for real-time payments. Also, there is no need to enter a PIN code for this. Explain that through this service, transactions can be done offline. While debit payment will be offline, internet will be required to add money to the account. However, soon NPCI will provide the ability to perform both debit and credit offline.

What is the limit of UPI Lite:
This service is designed for small value transactions. Its limit has been set at Rs 200. You will not need an UPI PIN for payment up to this level. You can keep a balance of up to Rs 2,000 in the device wallet. With this, users can pay an unlimited number of times per day.

Who can use UPI Lite:
The UPI Lite function has been activated on the BHIM app. So far, this list includes Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, State Bank of India, Union Bank of India and Utkarsh Small Finance Bank, NPCI.

UPI Lite: how to add balance
Balance can be added to UPI Lite wallet only through online mode (with internet). In this, you will be able to add a balance with Extra Factor Authentication (AFA) or using UPI Autopay. It was recorded by users in online mode. If you ever deactivate UPI Lite, the remaining amount will be deposited into your bank account. UPI Lite has been made available to users to facilitate quick and easy payments.

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