How to Use Google Pay UPI Circle: Step-by-Step Guide to Simplify Payments

Google Pay UPI Circle is a powerful feature designed to help you manage payments effortlessly with your family members. In this step-by-step guide, we’ll explain how to set up UPI Circle, add family members, and organize payments in a few simple steps. Let’s dive into how Google Pay can simplify your life and improve your payment experience.

1. Introduction to UPI Circle

What is UPI Circle?

UPI Circle simplifies payment management for families or groups within the Google Pay app. It allows users to help your close trusted ones make digital payments without needing to link their own bank account. By setting up a UPI Circle, you can organize transactions more efficiently and avoid the hassle of managing payments individually.

Why Use UPI Circle for Family Payments?

Family expenses can quickly become complicated, especially when sharing bills or paying for common expenses. UPI Circle solves this problem by letting family members join a circle where they can easily split, track, and send payments. This feature helps eliminate misunderstandings and offers a straightforward way to keep everyone on the same page financially.

As an existing UPI user on Google Pay, you will able to add your family members or friends as “secondary” users to your UPI Circle. You will be offered with two options:

• Partial Delegation: You retain full control, approving each payment request initiated by your secondary user.
• Full Delegation: Set a monthly limit, up to ₹15,000, allowing your secondary users to make payments independently within that limit.

2. How to Set Up UPI Circle

Step-by-Step Guide to Creating a UPI Circle:

• Step 1: Open the UPI app (Google Pay App) and go to the UPI circle section.
• Step 2: Tap on Add family or friends to your circle. Then, tap on Get Started.
• Step 3: Enter the secondary user’s UPI ID or scan their UPI QR code. Tap on Add to my UPI Circle.
• Step 4: Verify the secondary user’s contact number from the list that shows up on the next screen. For security reasons, you can’t manually enter the secondary user’s mobile number.
• Step 5: Choose the access type between Spend with limits (Partial delegation) or Approve every payment (Full delegation). In the case of Partial delegation, you can set the monthly spending amount limit, the bank account, and the end date of this delegation.
• Step 6: Tap the checkbox next to Terms and Conditions. Tap on Proceed.
• Step 7: Tap the Confirm button.

Steps the secondary user has to do:

Step 1: Tap on the notification you receive on your phone from the primary user.

Step 2: Tap Accept and then Confirm.

The secondary user can now make payments on behalf of or using the account of the primary user. By following these simple steps, you will have created a circle that can handle shared payments.

3. Benefits of Using UPI Circle

Key Advantages of Using UPI Circle:

UPI Circle offers several significant advantages, especially for families and groups. Payments can be simplified, split, and tracked all in one place, reducing any confusion or disputes. Moreover, UPI Circle offers convenience, making it the go-to feature for families that handle shared expenses.

Improved Security and Ease of Use:

In addition to simplicity, UPI Circle provides enhanced payment security. UPI apps like Google Pay encrypts every transaction, ensuring the safety of your financial data. This means payments made through the circle are not only efficient but also secure.

4. Troubleshooting Common Issues

Problems When Adding Family Members:

Sometimes, users face challenges while adding family members to a UPI Circle. If a family member doesn’t receive an invite, check if their phone number or email is correctly linked to their Google Pay account. Afterward, try resending the invitation. If issues persist, updating the app may resolve the problem.

Issues with Payment Processing in Google Pay UPI Circle:

Payment processing issues may occur within UPI Circle due to insufficient balance, incorrect UPI PINs, or network problems. Ensure that all necessary details are entered correctly.

FAQ’s

Conclusion

UPI Circle is an excellent feature for organizing family payments and simplifying financial management. By setting up a UPI Circle, you can easily track and split expenses, send payments quickly, and maintain better control of family finances. This step-by-step guide has explained how to set up, use, and troubleshoot Google Pay UPI Circle, ensuring that you get the most out of this helpful tool.

Visit zynicon for more blogs like this!