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New UPI features

Facts for Prelims (FFP)


Source: Live Mint

 Context: The National Payments Corporation of India (NPCI) has introduced new features for the Unified Payments Interface (UPI) with the goal of achieving 100 billion monthly transactions.

  • These features include a credit line on UPI, a conversational payment mode called ‘Hello UPI,’ BillPay Connect, UPI Tap & Pay, and UPI Lite X.



  • The credit line on UPI allows users to make purchases by scanning a QR code with their UPI-linked app, choosing their bank, entering the transaction amount, and opting for the credit line as the payment option.
  • ‘Hello UPI’ is a conversational payment mode that can understand spoken language and silence, convert text to numerical values, and offer text-to-speech capabilities.
  • UPI Lite X enables peer-to-peer transactions without an internet connection, using near-field communication (NFC) functionality on compatible phones.
  • UPI Tap & Pay involves small cards with NFC chips linked to a user’s QR code and UPI ID. Users can obtain these cards from partner banks, personalize them, and attach them to their mobile phones for convenient tap-based payments.