UPI Circle – Delegate Payments

Introducing UPI Circle

A family member or friend shares their bank account allowing you to make payments on their behalf even without your own bank account.

Steps for partial delegation:

Partial Delegation

Primary account holder to authorize every time when payment is initiated by secondary user for completing UPI transaction with 2FA.

• Primary user initiates UPI Circle using Our CUB MBANK & allowing them to access delegate payment to secondary users.
• Primary user adds the secondary user to UPI Circle either by scanning QR code or entering the secondary user’s UPI ID.
• Primary user sets transaction limit and authorization preferences.
• Secondary user initiate payment request to a merchant or another user using their own UPI app
• Secondary user cannot directly transfer funds but instead initiates a request or payment.
• Payment request appears in the primary user UPI App,Primary user review the request & complete the transaction by entering their UPI PIN.
• Transaction processed using the primary user’s bank account
• Both you and the primary user can see all payments made within the UPI Circle.

Limit Restrictions and Usage Controls:-

Cooling period for first 24 hrs and transaction limit of Rs.5000 will be applicable to secondary user for partial delegation.

Linking of a secondary user shall be allowed only by the primary account holder. To start with, a primary account holder can have 5 secondary users and a secondary user can have maximum 5 primary account holders at any point of time.

Click here for Terms and Conditions