Product Overview

Introducing UPI LITE: Making transactions Faster ➟ Secure ➟ Seamless

UPI LITE is a new payment solution that leverages the trusted NPCI Common Library (CL) application to process low value transactions that have been set at below ₹ 200. The solution runs off existing UPI ecosystem protocols for mobile phones to ensure commonality, compliance and system acceptance. UPI LITE experience is intended to be a customer-friendly approach to enabling low value transactions without utilizing a Remitter bank’s core banking systems in real-time, while providing adequate risk mitigation.

Enablement Flow

To enable UPI LITE

Step 1: User has to open his/her UPI App
Step 2: On home screen of the App, user will get the option to enable UPI LITE. Click on the option
Step 3: User reads and accepts the terms & conditions
Step 4: User enters the amount to add in UPI LITE and select the Bank account
Step 5: User enters UPI PIN
Step 6: UPI LITE enabled successfully!

Transaction flow

For making seamless transactions via UPI LITE

Step 1: User opens the app
Step 2: User chooses to pay.
Step 3: User enters the amount
Step 4: Money Sent Successfully without UPI Pin

Benefits of UPI Lite

Improved success rate for UPI transactions
Less infrastructure load on Remitter Bank CBS
Uncluttered Passbook for users
One click single factor authentication for UPI transactions of value less than ₹ 200