A significant milestone was added to PhonePe’s roster on April 15, 2025, in the form of its UPI Circle. Notably, its UPI Circle allows PhonePe users to compile a trusted list of payment authorizers, who do not have to hold their own linked bank accounts.

Key Highlights:

• The dependents are now able to generate the UPI ID than require any bank account link of their own.
• The primary user has complete control over this application which allows the person to review payment requests, expenses, and has privy to front the access given in any case.
• All transactions occurring within the circle are secure, the payments details are at the discretion of the primary user.
• It is possible to authorize payments in real time hence the payments can go through instantly and there and then.
• The feature is justified by the goals of PhonePe to make digital payments more accessible to consumers.

Empowering Delegated Payments: UPI Circle Enhances Family Expense Management

Basic account holders or primary users of UPI Circle have the ability to add secondary users with their UPI ID or QR code. The primary user allows the secondary users to start a payment through the system but requires remote control to complete it. There are certain benefit to families and caregivers with this configuration since they are able to manage expenses of dependents and trusted contacts through their accounts.

Empowering Financial Inclusion: PhonePe's UPI Circle Expands Delegated Digital Payments

UPI Circle supports the Reserve Bank of India’s goal of promoting delegated payments by leveraging UPI. This particular UPI Circle functionality offers primary users’ permission to the secondary users for managing the transaction rights with certain limits so as to make the process digital.

The PhonePe UPI Circle has been made public initially through the PhonePe application to develop India’s financial solutions from Digital. The payment circle provides the clients with the ability to arrange their payment options and also grants them better management and simpler control over the transactions.