Google Pay has launched a new feature called Pocket Money under UPI Circle, which lets users facilitate payments for family members or others who do not have their own bank accounts. The feature aims to make digital transactions easier for dependents, including children, elderly relatives, or staff. It functions by allowing one user to share controlled access to their bank account, with specific limits and permissions in place.
The feature currently supports payments via QR codes, phone numbers, UPI IDs, and online transactions, but does not yet include bill payments or mobile recharges. After adding a secondary user, there is a 24-hour cooldown period during which lower transaction limits apply before standard limits are activated. Overall, Pocket Money under UPI Circle is designed to enable controlled shared access to digital payments with built-in safeguards.
What is Google Pay Pocket money
Google Pay’s Pocket Money is a UPI Circle feature that lets a primary user add up to five secondary users to their account for controlled payments. Secondary users can make transactions directly from the linked account within set limits or with approval, depending on the chosen settings.
Two modes available:
Full delegation: Up to ₹15,000 monthly limit, no approval needed for each transaction
Partial delegation: Every payment requires primary user approval
Setup process:
Primary user scans secondary user’s UPI Circle QR code
Selects payment mode and sets limits (if required)
Shares details like relationship and ID for KYC
Confirms setup using UPI PIN
Secondary user can pay via QR code, phone number, or UPI online checkout
In full delegation mode, payments are automatic within the limit
In approval mode, payments are processed only after approval
All transactions are visible to both users in Google Pay history