Archive · 30 Jun 2025
UPI Payments for Children: UPI Circle and IDs Explained
Imagine your child wants to buy something online, but you want to make sure they're safe.
UPI Circle is like giving them a special allowance through apps like Google Pay.
You connect your bank account, and they can pay, but you're always in control.
You can set how much they can spend or approve every payment.
If your child is 15 or older with their own bank account, they might get their own UPI ID.
It's like having their own money account, but you can still use UPI Circle if you want to keep an eye on things.
UPI Circle enables children to make payments through delegated access on apps like Google Pay and BHIM.
Parents can set transaction limits or require approval for each payment via UPI Circle.
Children under 15 or without their own bank account can use UPI Circle.
Minors aged 15+ with their own bank account can apply for a UPI ID.
UPI ID users typically have daily transaction limits up to Rs 1 lakh.
- Who
- Parents and their children using digital payment platforms.
- What
- The article discusses how children can make UPI payments, including using UPI Circle.
- When
- The information is current, reflecting the evolution of India's digital payment system.
- Where
- This system applies to India's digital payment platforms.
- Why
- To introduce children to digital payments and responsible spending.
Parental Control
Child Independence
Control vs. Independence
Parental Control
Prioritizes direct parental oversight to ensure responsible spending habits and safeguard against misuse.
Child Independence
Offers a balance between providing children independence in managing their finances and maintaining control to ensure responsible spending habits.
- UPI Circle Apps
- Google Pay, BHIM
- Age for UPI ID
- 15+
- Daily UPI ID Limit
- Up to Rs 1 lakh
- UPI Circle Control
- Parents set limits/approve payments
- Requirements for own UPI ID
- Bank account in child's name