{"status":200,"data":[{"id":2,"order":2,"title":"LITE X","slug":"lite-x","createdAt":"2024-08-01T10:16:17.256Z","updatedAt":"2025-12-02T07:58:22.249Z","publishedAt":"2024-08-01T10:45:01.971Z","locale":"en","slugName":null,"contents":[{"__component":"upi-lite.introduction","id":2,"order":1,"description":"UPI LITE X enables fully offline payments. There is no network required for either the sender or receiver. Users can make quick transactions even in low-connectivity areas like underground stations or remote locations or areas with poor network connectivity.\nBy bringing your device close to the receiver's device, the payment is processed instantly. With direct device-to-device communication and no intermediary systems involved, UPI LITE X offers faster, smoother, and more reliable payment experiences. \nTo process UPI LITE X Transaction, Both the sender and receiver should have UPI LITE X and offline capabilities enabled. Post successful transaction, amount is debited from sender's LITE Wallet, and it is transferred to receiver's LITE wallet in real time.","button_label":null,"aria_label":null,"file":null},{"__component":"upi-lite.benefits","id":2,"order":2,"title":"Benefits of UPI LITE X","media_type":"youtube","youtube_link":"https://youtu.be/eYLmIno_KFA","media":null,"items":[{"order":1,"id":15,"title":"Offline Transactions can be performed without the internet connectivity."},{"order":2,"id":16,"title":"Enhanced Accessibility: More transactions are possible in low or poor-network areas like flights, parking lots, trekking points, etc."},{"order":3,"id":17,"title":"Improved Success Rates: Experience better success rates with UPI LITE X transactions."}]},{"__component":"upi-lite.features","id":1,"order":3,"title":"Features","media_type":"image","description":"- Both payer and payee should have UPI LITE X offline enabled.\n- Utilizes the existing UPI LITE wallet for offline transactions.\n- ₹500 upper limit for LITE X offline transactions.\n- Transactions can occur with or without internet connectivity.\n- Currently supported on Android mobile devices.\n- NFC is used for communication in LITE X offline transactions.\n- Governed by configurable Risk rules; currently, one debit and 10 credit transactions are allowed offline.","youtube_link":null,"alt_text":"Features","media":{"url":"/uploads/image_186_1_bfb971a5e0.svg"}},{"__component":"upi-lite.flow-types","id":2,"order":4,"types":[{"order":1,"id":3,"title":"Transaction flow","subtitle":null,"media_type":"youtube","youtube_link":"https://youtu.be/Fx3pd4XF2T4?si=jTk8GryKDS_cfir2","media":null,"items":[{"order":1,"id":18,"title":"Open UPI App"},{"order":2,"id":19,"title":"Click on the Tap & Pay icon within the app."},{"order":3,"id":20,"title":"Input the transaction amount."},{"order":4,"id":21,"title":"Tap your mobile device on the receiver's device."},{"order":5,"id":22,"title":"Money sent successfully without requiring a UPI PIN."}]}]},{"__component":"upi-lite.things-to-remember","id":1,"order":5,"title":"Things to remember","items":[{"order":1,"id":1,"answer":"Before uninstallation and reinstallation of UPI APP or changing the mobile device user needs to disable UPI LITE X to reclaim the balance back in bank account in real time. If customer uninstalls and reinstalls the APP or changes device without disabling UPI LITE X, then in order to prevent frauds the entire LITE X balance of the customer will be held. The held balance after due-diligence (addition and/or deduction based on transactions performed) will be provided back to the customer’s bank account after 4 days from the date of APP reinstallation or device change. Banks are intimated about these refunds through L5 response code in back office files. Banks shall ensure to process the customer refunds immediately.","question":"UPI LITE X Balance in case of App Uninstalled and reinstalled or device changed (same OS)"},{"order":2,"id":2,"answer":"Before changing the device, user should disable the UPI LITE X account to get the balance refunded back to his/ her source bank account in real-time. In case customer has changed the device without disabling LITE X from old device and is not able to initiate the disablement of UPI LITE X account from old device. Then customer has to reach out to remitter/ Issuer bank to disable the UPI LITE X account & refund back the LITE X balance in bank account.","question":"UPI LITE X Balance in case of device change (different OS i.e. Android to ios or vice versa)"},{"order":3,"id":3,"answer":"In case of device damage/ lost/ stolen or cases where customer is not able to initiate the disablement of UPI LITE X account, customer has to reach out to remitter/ Issuer bank to disable the UPI LITE X account & refund back the LITE balance in bank account.","question":"UPI LITE X Balance in case of device lost/stolen or damaged"}]},{"__component":"upi-lite.upi-lite-fa-qs","id":2,"order":6,"title":"Frequently Asked Questions","button_label":"View all","button_link":"/faqs/upi-lite-x/upi","aria_label":"View all","tabs":[{"order":1,"id":3,"tab_name":null,"questions":[{"order":1,"id":7,"question":"How to enable UPI LITE X?","answer":"- Enable via any UPI App offering LITE X.\n- It requires customer consent, a linked bank account, and UPI PIN authorization.\n"},{"order":2,"id":8,"question":"Does Existing UPI LITE customer enable UPI LITE X?","answer":"Existing customers can enable it without a UPI PIN."},{"order":3,"id":9,"question":"How to disable UPI LITE X?","answer":"- Customers can disable a specific UPI Lite X account.\n- The entire LITE wallet is disabled on clicking disable."}]}]}]}]}