Unified Payments Interface (UPI) Lite is an innovative digital payment service that enables seamless, real-time transactions through a mobile wallet. PhonePe, one of India’s leading digital payment platforms, offers users an easy way to access and use UPI Lite for their transactions. This comprehensive guide will walk you through the steps to set up and use UPI Lite on PhonePe, making digital payments faster and more convenient than ever before.
Step-by-Step Guide to Set Up UPI Lite on PhonePe
Step 1: Download and Install the PhonePe App
To begin using UPI Lite on PhonePe, you first need to download and install the PhonePe app on your smartphone. The app is available on both Google Play Store and Apple App Store. Follow the download and installation instructions specific to your device’s operating system.
Step 2: Sign Up or Log In to Your PhonePe Account
Once the PhonePe app is installed, open it and sign up for a new account or log in to your existing account. To sign up, you’ll need to provide your mobile number linked to your bank account, verify it via an OTP, and set up a 4-digit login password.
 Step 3: Link Your Bank Account
After logging in, navigate to the “My Money” section in the app and click on “Bank Accounts.” Choose your bank from the list of available banks, and the app will automatically fetch your account details using your mobile number. Verify your bank account by entering the last 6 digits of your debit card and the card’s expiry date, followed by setting up a UPI PIN.
Step 4: Activate UPI Lite
Once your bank account is linked and verified, go to the app’s homepage and click on “UPI Lite.” To activate UPI Lite, you will need to enter your UPI PIN. After entering the PIN, you’ll see a confirmation message indicating that UPI Lite has been activated successfully.
How to Use UPI Lite on PhonePe for Transactions
Step 1: Select the Desired Service or Merchant
Open the PhonePe app and browse through the available services or merchants, such as mobile recharge, bill payments, shopping, and more. You can also use the search bar to find specific services or merchants.
 Step 2: Initiate the Transaction
Once you have selected the desired service or merchant, follow the on-screen instructions to initiate the transaction. This may involve entering the amount, choosing a payment method, and confirming transaction details.
Step 3: Complete the Transaction Using UPI Lite
When prompted for a payment method, choose “UPI Lite” as the preferred option. Enter your UPI PIN to authorize the transaction. You will receive a confirmation message, and the transaction will be completed.
