Online payment methods have become a lifeline for many people in their daily lives. Usage of UPI grows rapidly. But still, some of them may not have a bank account to play an UPI app. In that case, how will you manage to send money? In this article, we are talking about a method that will help you use UPI without having a bank account.
First step, Go to the BHIM-UPI app and click on ‘UPI Circle’. A new page will open and here you have to click on the ‘Add Family or Friends’ button. You have two ways to add family or friends to your UPI circle- by scanning the QR code or by entering their UPI ID.
Second step, We are registering using the UPI ID option. When you add the UPI ID of your friend or family, click on the ‘Add to my UPI circle’ button. A new page will open and it will ask you to type in the phone number of the person you want to add to your UPI circle. Note that this person must be in your contact list otherwise he cannot be added.
Thrid step, You now have two access type options- ‘Spend with limits’ or ‘Approve every payment’. In the first option, you set a predefined limit and the secondary user can only transact within that limit. In the second option (Approve every payment) you have to approve every transaction initiated by the secondary user. Make a selection based on your needs and then click ‘Proceed’.
Final one, We have opted for Spend with Limits. When you select this option you have to give three inputs. Once done, click ‘Proceed’. Enter your UPI PIN to authorize. Simply, now the secondary user will be added to your UPI circle.