FAQs

UPI LITE X, launched back in September’23, allows offline payments without internet connectivity, enhancing the existing UPI LITE functionalities in a much more effective manner.

UPI LITE & LITE X wallet are the same, except LITE X adds offline payment functionality to UPI LITE.

No, the existing limits of ₹2000 on wallet balance and ₹500 per transaction apply to LITE X as well.

• It enables transactions in complete offline mode.
• It Enhances customer experience.
• It Reduces declines, improving success rates for low-value transactions.

• Use the same UPI LITE account for LITE X offline transactions.
• Creation, top-up, and deletion follow UPI LITE procedures.

Yes, transactions work with or without internet connectivity for both the payer and payee.

Currently available on Android.

Only NFC-compatible devices can enable LITE X; others can use LITE.

• Enable via any UPI App offering LITE X.
• It requires customer consent, a linked bank account, and UPI PIN authorization.

Existing customers can enable it without a UPI PIN.

Yes, customers can enable both functionalities simultaneously.

• Customers can disable a specific UPI Lite X account.
• The entire LITE wallet is disabled on clicking disable.

• Use existing UPI LITE wallet for LITE X.
• Top-up/add funds via the UPI App.

Yes, transferring funds between different apps is possible(e.g., BHIM to Paytm).

Both the payer and payee need UPI LITE X enabled.

• The payer clicks Tap and Pay and enters the amount.
• Payee opens UPI app to receive payment.
• The payer taps the Payee's device to complete the transaction.

• Per transaction: ₹500
• Cumulative per day: ₹4,000
• Maximum available in LITE X: ₹2,000
• Minimum top-up: ₹1

No, only domestic transactions are supported.

• Instruct the bank to disable UPI LITE X.
• Bank will disable the UPI LITE X account and the balance will be refunded to the customer's account.