What is UPI Lite X: Offline Payment by UPI Lite X

UPI was a revolution that shook up the entire payment system. Taking this a step further, the launch of UPI Lite X is no less. now the question is what is UPI Lite X, It is an innovative feature that enables users to send and receive money even in the absence of an internet connection, This makes it special in areas with poor connectivity and during situations like flights, remote locations, or underground stations.

In this blog post, we will learn about the functioning of UPI Lite X, how to use it, its security features, and its current availability on UPI apps.

What is UPI Lite X

UPI Lite X is an updated version of UPI Lite. It allows UPI Users to Send up to ₹500 (Previously ₹200) with one click without Internet Connection. It is a Wallet Wallet-based service That allows users to make payments without entering their UPI PIN and internet connection.

In Simple Words “UPI Without PIN is UPI Lite and without internet is UPI Lite X”

UPI Lite X harnesses the power of Near Field Communication (NFC) to facilitate money transfers between sender and receiver devices. Near Field Communication (NFC) is a short-range wireless technology that allows two devices to communicate when they are close to each other. To utilize UPI Lite X, both the sender’s and receiver’s devices must support NFC. Once enabled, the process is as simple as tapping your device on the other person’s device to initiate a transaction.

you should also know what is UPI Lite: UPI Lite is safe or not

When to Use UPI Lite X

UPI Lite X comes to the rescue in several situations:

Poor Connectivity: When you’re at a store that accepts UPI payments, but there’s no internet connection.

In-Flight Transactions: For purchasing items from the in-flight entertainment system while soaring above the clouds.

Remote Areas: When you’re in a remote location and need to send money to a friend or family member.

How to Use UPI Lite X

Activate UPI Lite X:

Just Open Your BHIM UPI App

Click On the UPI Lite X Enable Option available on The Home Screen or in the Profile Menu

Select the offline transaction and Click on Enable Now

Add Money to UPI Lite X through a UPI Added Account, You can Add up to ₹2000 Twice a Day via your UPI Account.

Enter the UPI PIN

Congrats, UPI Lite X is Activated

Note: *Right now UPI Lite X is only available with the BHIM UPI App

*Ensure that both your device and receiver support NFC

Start Transactions:

Enable NFC on your device and the receiver’s device

Open the BHIM UPI App and select UPI Lite X

Select Tap & Pay

Enter the amount

Click on Confirm

Sender’s BHIM App is Activated

Touch the receiver’s Phone

The “Device Connected” message will appear on the Sender’s BHIM App

Money Transfer Completed successfully

Note: For offline UPI Lite X transactions, the receiver must connect to the internet within 4 days to receive funds properly in his Wallet.

UPI Lite X features

Here are Some important details to remember:

The maximum transaction limit for UPI Lite X is Rs. 500.

Your UPI Lite X balance cannot exceed Rs. 2,000.

You can add money to your UPI Lite X balance from your bank account using the UPI app.

UPI Lite X transactions do not require an internet connection.

UPI Lite X is Safe

Security is paramount when it comes to handling financial transactions, and UPI Lite X does not disappoint. It employs multiple layers of security to safeguard your hard-earned money.

All UPI Lite X transactions are encrypted and require the user’s UPI PIN for authorization, ensuring that your funds are protected even in offline scenarios.

UPI Lite X Bank and Apps

Here are the lists of UPI Lite X Enabled Banks and Apps:

UPI Lite Banks

These are the Banks That support UPI Lite X, The Number of Banks is increasing Every month

• Canara Bank
• HDFC Bank
• State Bank Of India
• Axis Bank
• Union Bank of India
• Indian Bank
• Punjab National Bank
• Kotak Mahindra Bank
• Utkarsh Small Finance Bank Ltd
• Central Bank Of India
• Paytm Payments Bank

UPI Lite X App

Only BHIM UPI Apps are live with UPI Lite X:

• BHIM

Benefits of UPI Lite

Bringing UPI transactions to more people

Making UPI Transactions More Successful

Work With Existing UPI Apps, No Need To Download Any Separate App

Giving Users a Neat and Clear Passbook

Enables offline UPI transactions worth less than ₹500

Availability of UPI Lite X

It’s worth noting that UPI Lite X is a relatively new feature and may not be available in all UPI apps. only the BHIM UPI App supports it, others are working on implementing this feature. If your preferred UPI app does not support UPI Lite X, consider switching to one that does to enjoy the benefits of hassle-free offline payments.

Conclusion,

UPI Lite X is poised to revolutionize the way we make payments, offering convenience and security even in offline scenarios. While it may not be universally available just yet, its rapid adoption in India suggests that it’s a feature to watch out for in the world of digital payments. Stay tuned for updates as more UPI apps embrace this innovative technology, making offline transactions a breeze for everyone.

FAQs