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: NPCI has prepared to upgrade the UPI service. On one hand, while the National Payment Corporation of India is working on biometric features like face unlock for UPI payments, on the other hand, NPCI is preparing to introduce a delegated payment system. This delegated payment system will be beneficial for those who do not have a bank account. The government also wants to make UPI accessible to those who do not have a bank account.

Currently, a bank account is required to use UPI service. UPI service cannot be activated without a bank account. UPI service can be availed because bank account holders' mobile number and Aadhaar card number are linked. Users install any UPI app on their phone and can avail the facility of digital payment by creating a UPI account through their mobile number. NPCI has now intensified its efforts to make UPI service available to those who do not have a bank account.

What is Delegated Payment System? According to a report, NPCI is going to start Delegated Payment System soon. In this, other members of the family will also be able to use the same UPI account. Even if any other member of the family does not have a bank account, they will still be able to make UPI payments. In simple words, if any member of the family has a bank account and is using UPI service, then other family members will also be able to use the same UPI account on their phones, that is, many more UPI accounts can be linked to a single bank account. This new delegated payment system of UPI will work only on savings accounts.

This service will not work on any credit card or other credit line. The family member whose bank account activates the UPI service will have master access. If that person wants, he can give access to the UPI account to someone else for payment. How will it work? After the launch of this service by NPCI, UPI users will get a notification asking them if they want to share their savings account with someone else for UPI.

If the user wants to activate this service, he can accept the notification of NPCI. There may be a verification process to activate this service, only after completing which the delegated payment system will be activated. It is worth noting that NPCI has not yet made an official announcement about this system, and has also not clarified how many transactions can be done in a month from a UPI account.

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