How to use UPI LITE in PhonePe, Google Pay

Friends, nowadays there is a lot of advertisement of PhonePe. In this advertisement it is talked about how payment is done even without entering UPI PIN. This feature of UPI payment without the PIN is called UPI Lite. Today in this post we will tell you how to activate UPI Lite in PhonePe and what are its advantages and disadvantages?

What is UPI Lite

UPI Lite is a feature added in the UPI Apps to make UPI payments easier. This feature has been added by NPCI, which has made the whole UPI system. Using this feature, you can make payment without entering the PIN. Note, it is not the Phonepe specific feature, All other UPI apps also provide this facility.

UPI Lite works like a wallet. With this wallet you can make payment to any UPI merchant. Whether it has QR code of Paytm, Phonepe, Google Pay or any other company. Whereas other wallets or limited to the same apps. For example, Paytm Wallet can be used only to pay the Paytm merchants.

• You can keep up to Rs 2000 in UPI Lite.
• And with this you can make small payments up to Rs 500 without entering UPI PIN.
• Its transaction details are not saved in the bank account statement.

How to activate UPI Lite in PhonePe

Friends, PhonePe is one of the most used apps in India. In this you can easily activate UPI Lite. Let us know how to activate UPI Lite in PhonePe.

1. First open the app on your phone
2. UPI Lite option will appear on the dashboard. If it appears, tap on it.
3. If you do not see the option of UPI Lite, then click on the profile icon in the upper left corner.
4. A page will open in which the option of UPI Lite will be visible in the payment methods.
5. On tapping on UPI Lite, a new page will open in which the option of add money will appear. In this, write the amount of money you want to put in UPI Lite and click on Add money.
6. A new page will open showing the bank accounts linked to PhonePe.
7. Select the bank account in which you want to activate UPI Lite and tap on Add money. Money can be added to UPI Lite from this account.
8. A new page will open in which you will have to enter the UPI PIN.
9. In this way your UPI lite will be activated and money is added to the UPI Lite wallet.

How to activate UPI Lite in Google Pay

Google Pay is also one of the most favorite digital payment platforms of the people. UPI Lite can be activated in this app by following some simple steps.

1. First open Google Pay app
2. UPI Lite option will appear on the home screen itself or
3. Click on the profile icon in the top right corner
4. A page will open in which the option of UPI Lite will be visible in the payment methods.
5. On tapping on UPI Lite, a new page will open in which the option of add money will appear.
6. In this, write the amount of money you want to add in UPI Lite wallet and select the bank account in which you want to activate UPI Lite and tap on Add money.
7. A new page will open in which you will have to enter the UPI PIN.
8. In this way your UPI lite will be activated.

How to add money in UPI LITE

It is very easy to deposit money in UPI Lite. For this you have to follow some simple steps

• First of all, open your application and go to the UPI lite section.
• In the page that opens, the remaining balance and the option of Add money will be visible.
• Fill the amount and tap on add money
• A new page will open in which enter the UPI PIN and submit.
• In this way money will be added to your UPI Lite.

Friends, if you are facing difficulty in adding money as you have forgot the UPI PIN, you can easily reset the UPI PIN.

How to deactivate UPI Lite in PhonePe

Friends, deactivating UPI Lite is also quite easy. You can do this task by following some simple steps.

• First, open your application and go to the UPI lite section.
• A page will open in which your balance and Add Money option will be visible. In this page, three dots will appear on the top right corner.
• On tapping on those points, the option of Close UPI Lite will appear. You would be asked to choose Yes or No for closing the UPI Lite.
• On tapping Yes, your UPI Lite will be closed and the remaining balance will be transferred to the linked bank account.

How to Deactivate UPI LITE in Google Pay

1. First of all, open your Google Pay application and go to the UPI lite section.
2. A page will open in which your balance and Add Money option will be visible. In this page, three dots will appear on the top right corner.
3. On tapping on those points, the option of delete UPI Lite will appear. On clicking, a page will open on which the option of Go Back and Delete will appear.
4. On tapping on Delete, your UPI Lite will be closed and the remaining balance will be transferred to the account.

How is UPI Lite different from Paytm or PhonePe wallet?

UPI LITE actually works like a wallet but it is a little different from it. Money in the wallet can be transferred only from one wallet to another whereas in UPI LITE you can transfer it directly to the account.

In the wallet, you can make payments only by scanning the QR code of the application through which you are making the payment. For example, if you are making payment through Paytm wallet, then the QR code should also be of Paytm. Whereas with UPI LITE you can make payment by scanning the QR code of any app.

UPI Lite Benefits

Many times we have to make small payments to buy some small items. For this, paying through UPI Lite is the best option.

The UPI lite is the default payment option for the Small transactions up to Rs 500. This payment is done easily and quickly through UPI LITE.

Entering UPI PIN repeatedly in crowded places can be unsafe. The biggest advantage of UPI Lite is that you do not need to enter the UPI PIN again and again to make payment.

Payment failures are less when you make payment through UPI lite. Apart from this, you can make payment through UPI Lite even if the bank’s server is down.

Friends, ever since UPI came into existence, people have been using it extensively. Another big advantage of UPI Lite is that the transactions done through UPI Lite are not recorded in the bank account statements. With this, you do not have to worry about filling your passbook quickly.

Shortcomings of UPI Lite

The biggest drawback of UPI LITE is that payments of more than Rs 500 cannot be made through it. Whereas the limit for normal UPI payment is much higher than this.

Apart from this, only a maximum of Rs 2000 can be kept in it. That means when Rs 2000 is exhausted, you will have to add the amount again.

In this, due to payment without PIN, any other person can also make payment from your mobile.

Despite these shortcomings of UPI Lite, it is quite useful. As this feature has made payments quite easy.