UPI X Lite : UPI X Lite allows you to make payments without the need for an internet connection. Learn how to turn it on, how it works, and which users are most likely to benefit.
The reach of digital payments in the country is continuously expanding, and a new, lightweight yet highly functional version of UPI, UPI X Lite, is quickly gaining traction. This feature facilitates payments even in regions where internet access is limited or nonexistent. This method uses NFC technology to process payments straight from your phone’s wallet, eliminating the need to connect to a bank server every time.
How Does UPI X Lite Work?
After activating UPI X Lite, users can load money into their wallet. This balance can then be used to execute transactions without the need for an internet connection. Significantly, this feature allows payments to be made using NFC with a simple tap of the phone. However, this feature must also be activated on the recipient’s phone. The maximum transaction limit is set at ₹500, and the receiver can only get the money if their phone is linked to the internet. It likewise has a four-day valid period.
Why is UPI X Lite special?
Payment failures are widespread in places with limited network access. In these situations, UPI X Lite provides a dependable option. This functionality can be extremely handy for small-scale purchases, cashless transactions, and rapid payments. Because it eliminates the need to continually input the UPI PIN, it becomes even faster and more convenient.
How to set it up on your phone?
This function requires your smartphone to be NFC-enabled. Then, download BHIM or any banking software that supports UPI X Lite. After integrating your bank account and creating a UPI PIN in the app, go to your phone’s settings and turn on the Tap & Pay or UPI X Lite feature. You can add a maximum of ₹2,000 to your wallet. When making a payment, simply tap your phone on the NFC terminal or soundbox, and the transaction is complete immediately.
Who is this functionality intended for?
UPI X Lite can be incredibly handy for persons who travel frequently, reside in remote locations, or experience network problems. This functionality is regarded as a significant step towards making digital payments increasingly simpler and more dependable.
