Google Pay has officially introduced a new feature called "Pocket Money" under the UPI Circle framework, enabling primary account holders to extend digital payment capabilities to family members or dependents who may not have their own bank accounts. Gpay Pocket Money feature is designed to simplify financial management for children, elderly relatives, or employees by allowing them to make controlled transactions using the primary user's linked bank account. By integrating shared access with strict spending limits and permissions, Gpay Pocket Money aims to expand the reach of digital payments across various demographic groups.

The introduction of GPay Pocket Money represents a significant shift toward shared financial access within the UPI ecosystem. It allows one primary user to manage up to five secondary users, making it a versatile tool for handling household expenses or providing children with a digital allowance. All transactions made through this feature are recorded in the transaction history of both the primary and secondary users, ensuring transparency and ease of tracking. What Is Pocket Money in Gpay? Know All About New Google Pay Feature Launched in India.

GPay Pocket Money Delegation Modes

GPay Pocket Money operates through two distinct delegation modes, allowing the primary user to choose the level of control they wish to maintain over spending. Under "Full Delegation," the primary user can set a monthly spending limit of up to INR 15,000. Once this limit is established, the secondary user can make independent payments without needing a per-transaction approval, provided the total remains within the designated monthly cap.

Alternatively, the "Partial Delegation" mode offers a more hands-on approach to monitoring expenses. In this setup, every transaction initiated by the secondary user must be manually approved by the primary user. The primary user receives a notification for each payment request and must authorise it via the app before the transaction is processed. This dual-mode setup provides flexibility, ranging from total oversight to pre-authorised independence.

How To Use GPay Pocket Money? Step-by-Step Guide to Activate UPI Circle

To activate GPay Pocket Money, users must first navigate to the UPI Circle section within the Google Pay profile menu. The primary user then selects a contact to add as a secondary user; it is mandatory that the recipient has Google Pay installed and registered with their mobile number. The setup process involves scanning the secondary user’s unique UPI Circle QR code to link the two profiles securely.

During the configuration, the primary user must choose between full or partial delegation and provide the secondary user's relationship details and a government ID for KYC compliance. After setting any applicable monthly limits, the primary user confirms the setup by entering their UPI PIN. Once the invite is accepted and verification is complete, the secondary user can begin making payments via QR codes, phone numbers, or online UPI checkouts.

GPay Pocket Money Usage Limits and Restrictions

While the GPay Pocket Money feature offers broad utility for merchant payments, it currently has certain functional limitations. The feature supports standard peer-to-merchant (P2M) transactions but does not yet facilitate bill payments or mobile recharges. Additionally, there is a 24-hour cooldown period immediately following the setup, during which transaction limits are lower than the standard authorised amounts. PhonePe SBI Card Launched at Zero Joining Fee; Check Details Here.

Security remains a priority for the UPI Circle system, which is why the primary user retains the power to modify limits or revoke access at any time. This infrastructure is particularly beneficial for those who do not operate their own bank accounts directly, allowing them to participate in the digital economy under a supervised and secure framework.

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(The above story first appeared on LatestLY on Apr 10, 2026 12:04 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).