About pocket money through UPI Circle

You can assist your friends and family to make UPI payments with pocket money through UPI Circle on Google Pay. This payment method doesn’t require their own bank account.

How pocket money through UPI Circle works

As an existing UPI Circle 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.

• Primary user: Person who pays on behalf of the Secondary user with their bank account.
• Secondary user: Person who makes UPI payments through the Primary user’s bank account.

As a Primary user, you can set transaction limits and payment authorization. Select between full or partial delegation in UPI Circle:

• Set a monthly limit (full delegation): You can set a monthly limit of up to ₹15,000 for Secondary users. They can use your bank account to make payments within the set limit without your approval.
• Approve every payment (partial delegation): Secondary users must send you a request for each payment. You must approve to pay on their behalf.

Set up pocket money through UPI Circle

Important:

• To be a Primary user, you must have an active bank account on Google Pay.
• You can add a maximum of 5 Secondary users.
• Secondary users must:
  • Be in your saved phone contacts.
  • Download the Google Pay app and register with their phone number.
  • Have a UPI ID.

To set up pocket money:

1. On your mobile device, open the Google Pay app .
2. Go to Profile UPI Circle Set up pocket money on UPI Circle.
3. Search the Secondary user’s name or phone number.
4. Select their contact.
5. Scan the selected contact’s UPI Circle QR code.
6. Set up approval settings.
   • If you select, "Approve every payment," tap Continue Yes, send invite.
   • If you select “Set a monthly limit:"
     1. Tap Continue.
     2. Set a preferred monthly limit.
     3. Add additional details for a Secondary user.
        1. Choose the Secondary user’s relationship with you.
        2. Enter Secondary user’s government ID number.
        3. Tap Continue.
     4. Choose a bank account for the Secondary user to use.
     5. Tap Send invite.
     6. To send an invite to the Secondary user, enter your UPI PIN.

     

Verify a Secondary user

After you set a monthly limit, you need to verify the Secondary user so they can make a payment.

1. Confirm the Secondary user's relationship to you.
2. Select a government ID:
   1. Choose ID type.
   2. Enter ID number.

Tip: Your bank uses this information to record the Secondary user’s details. This includes their name, mobile number, ID type, and ID number. This is mandated under the Master Direction Know Your Customer (KYC) Direction, 2016.

Create a UPI Circle QR code

Use pocket money through UPI Circle to make payments

Set a monthly limit (full delegation) Approve every payment (partial delegation)

Remove a Secondary user

On your mobile device, open the Google Pay app .

1. Tap Profile picture UPI Circle.
2. Under “You pay for,” find the Secondary user to remove.
3. Tap More Remove.
4. To confirm, tap Yes, Remove.
   • The screen shows that the Secondary user was removed from the Primary user’s UPI Circle.

Commonly asked questions

Is there a cool-off period after users are linked? Can a Secondary user be part of multiple UPI Circles? Supported payment types for pocket money through UPI Circle How can I track my payment? What payment types aren’t supported by UPI Circle? Secondary user missed the notification to join