3.2.2 UPI Lite
A UPI app user has the option to enable UPI Lite, which functions as an on-device wallet within the app. Once enabled, the user can allocate funds from their bank account to UPI Lite. These funds are held by the user’s bank in an escrow, pool, or designated account, while the corresponding balance resides on-device within the Common Library (CL) of the user’s UPI app.
UPI Lite allows users to perform debit transactions from their on-device wallet, up to the permitted per-transaction limit, without requiring a UPI PIN. A maximum balance limit will apply to the UPI Lite on-device wallet at any given time. Replenishing UPI Lite funds is permitted only in online mode with Additional Factor Authentication (AFA), or via UPI AutoPay, which must be registered by the user online with AFA.
- ReqListKeys API from the PSP UPI switch to the NPCI UPI switch has been modified to support requests where type is set to GetLite, AcaddrType is ACCOUNT, and the Detail name as IFSC with a blank value.
- ReqPay API from the PSP UPI switch to the NPCI UPI switch has been modified to allow Purpose values of 41, 42, 43, or 44, a Detail name LRN with a blank value, and Cred Type set to ARQC with subtype as initial.
- ReqPay API from the NPCI UPI switch to the Bank UPI switch has been modified to allow Purpose values of 41, 42, 43, or 44, and a Detail name LRN with a blank value.
- ReqChkTxn API from the PSP UPI switch to the NPCI UPI switch has been modified to allow type set to LiteSync and purpose set to 50.
- ReqTxnConfirmation API from the NPCI UPI switch to the Bank UPI switch has been modified to allow purpose set to 50 and acNum set to LRN.
Parent topic: India UPI