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https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9095033
Upi lite is working but without internet its not working.
Tried bhim upi app also same without internet its not working
UPI Lite on Paytm Launched! How to use and more details!
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UPI Lite on Paytm Launched! How to use and more details!
UPI Lite is live on the Paytm app. Customers can finally use Paytm to do UPI Lite transactions. Read on to know more.
by Vrushali.S
Updated: 15 Feb, 2023, 17:32 IST
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UPI Lite is launched on the Paytm app and customers can do UPI Lite transactions of up to ₹200 without having to use their UPI pin. Recently, PhonePe also launched UPI International on their platform which is one more step taken by UPI to make cross-country payments easier and more convenient. Earlier this month, we also shared the news of UPI Lite soon launching on Paytm, Gpay, and other UPI Payment apps. In the same article, we also shared what is UPI Lite, Countries where UPI Lite is available, How does UPI Lite work, and more.
UPI Lite on Paytm is a new feature added by the payments app. Using UPI Lite on Paytm, customers can do offline payments to any vendor, family, or friend using their UPI Lite wallet. Note that only transactions up to ₹200 do not need a UPI Pin. For UPI Lite transactions above ₹200 on Paytm, you need to add your UPI Pin to validate the payment.
To activate UPI Lite on Paytm, you need to first make sure your bank supports the UPI Lite feature. Currently, the banks that support UPI Lite transactions are Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, State Bank of India, Union Bank of India, and Utkarsh Small Finance Bank.
Next users need to enable the “On-device payment” option or the “UPI Lite” option on their UPI app. Accept the terms and conditions and transfer funds up to a maximum ₹2000 from their UPI-linked bank account to their UPI Lite wallet.
Note, that it is also said that as these UPI Lite transactions do not need an internet connection and neither a UPI Pin (for up to ₹200 transactions) it is recommended to use your UPI-bank account linked phone number while making the payment as these transactions may use certain cryptic codes present in the SIM cards to facilitate the payment.
Also read:
UPI Limit for Google Pay, Paytm, PhonePe, and other Wallets in 2023
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https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9095046
Any fraud risk in this, since no pin required?
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9095502
No option in IOS app
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9095562
where option is showing?
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9102552
It would be great if it works without internet.
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9102573
kartikxxx wrote:Fraud risk is not determined solely by pin requirement. Tap & pay txns also have no otp/pin requirement but there has been zero fraud case in all these years because unlike these merchant accs not just anybody can open an acc to receive money from such tap & pay txns.
Any fraud risk in this, since no pin required?
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106260
harish8 wrote:UPI Lite does not need internet or UPI Pin only for transactions below 200. If it's above it, you'd be required to add your UPI Pin. Also, crediting does require an internet connection. Debiting up to 200 won't.
Upi lite is working but without internet its not working. Tried bhim upi app also same without internet its not working
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106269
kartikxxx wrote:UPI Pin is not required only in transactions below 200. You'd need to add your UPI Pin (and an internet connection) for transactions above 200 (max 2000).
Any fraud risk in this, since no pin required?
Also, if you are wondering about the risk, that is, how would the receiver validate your payment..so unlike normal UPI, the entire procedure will work on SMS networks in internet-free digital payments.
Saket Modi, an original security contractor of the BHIM UPI app had said the following - "the SIM card has certain unique cryptographic keys which UPI uses to hard bind your phone with its server, so that even if you switch mobiles, all you have to do is use the same sim card, and you are good to go to use UPI on your new device."
Hope this answered your comment.
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106271
deathheater wrote:It is visible on Android devices. I think it should be available on iOS by now. Please check.No option in IOS app
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106272
jatin2612 wrote:In the Paytm app, it is visible now.
where option is showing?
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106279
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Vrushali.S wrote:Thanks for the answer
UPI Pin is not required only in transactions below 200. You'd need to add your UPI Pin (and an internet connection) for transactions above 200 (max 2000).
Also, if you are wondering about the risk, that is, how would the receiver validate your payment..so unlike normal UPI, the entire procedure will work on SMS networks in internet-free digital payments.
Saket Modi, an original security contractor of the BHIM UPI app had said the following - "the SIM card has certain unique cryptographic keys which UPI uses to hard bind your phone with its server, so that even if you switch mobiles, all you have to do is use the same sim card, and you are good to go to use UPI on your new device."
Hope this answered your comment.
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106283
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Tried in paytm also without internet its too not working
Vrushali.S wrote:Yes upi pin is not asking for transactions below 200. But withoit internet not working see the screenshot below its bhim upi app.
UPI Lite does not need internet or UPI Pin only for transactions below 200. If it's above it, you'd be required to add your UPI Pin. Also, crediting does require an internet connection. Debiting up to 200 won't.
Tried in paytm also without internet its too not working
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106604
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Vrushali.S wrote:
It is visible on Android devices. I think it should be available on iOS by now. Please check.
Still not available in ios
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9106620
*UPI IS GAME CHANGER* Modi Hai Toh Mumkin Hai 👏
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9107453
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harish8 wrote:maybe it needs 'data mode as active' but can work without sending any data over the network incase of bad network state not sure though
Yes upi pin is not asking for transactions below 200. But withoit internet not working see the screenshot below its bhim upi app.
Tried in paytm also without internet its too not working
https://www.desidime.com/news/upi-lite-on-paytm-launched-how-to-use-and-more-details?page=1#post_9107556
It will be available on IOS in a month or so.
Regarding offline mode.. Its in pipeline but not supported yet. You need active internet connection.
and regarding security. It's a on device wallet, just like cash so txn should go seamless thats why pin is not asked. Better to put security shield if you are concerned.
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It would be great if it works without internet.