1.1.6 UPI Lite

This topic gives information on UPI Lite application.

A UPI App user can choose to enable UPI Lite, an on-device wallet feature. Once UPI Lite is enabled, the user can allocate funds from the user's bank account to UPI Lite. These funds are held by the user’s bank in an escrow, pool, or designated account, while the wallet balance is maintained on-device within the UPI app using the common library (CL).

The UPI Lite functionality allows a user to perform debit transactions from the On-Device Wallet up to the allowed per-transaction limit without entering the UPI PIN. There is a maximum UPI Lite balance that can be maintained in the On-Device Wallet at any time.

Replenishment of funds in UPI Lite can only be done online with Additional Factor Authentication (AFA) or through a registered UPI AutoPay setup by the user in online mode with AFA.

The UPI Lite requirements are implemented by making the following changes to the APIs:

Table 1-2 UPI Lite APIs

API Description
ReqListKeys
ReqListKeys API from the PSP UPI switch to the NPCI UPI switch will be updated to support the following parameters:
  • Type: GetLite
  • Account Address Type (Ac addrType): ACCOUNT
  • Detail Name: IFSC
  • Value: Blank
ReqPay
ReqPay API from the PSP UPI switch to the NPCI UPI switch has been updated with the following parameters:
  • Purpose: 41 | 42 | 43 | 44
  • Detail Name: LRN
  • Value: Blank
  • Cred Type: Authorization Request Cryptogram (ARQC)
  • Subtype: Initial
ReqPay
ReqPay API from the NPCI UPI switch to the Bank UPI switch has been updated with the following parameters:
  • Purpose: 41 | 42 | 43 | 44
  • Detail Name: LRN
  • Value: Blank
ReqChkTxn
ReqChkTxn API from the PSP UPI switch to the NPCI UPI switch will be updated with the following parameters:
  • Type: LiteSync
  • Purpose: 50
ReqTxnConfirmation
ReqTxnConfirmation API from the NPCI UPI switch to the Bank UPI switch will be updated with the following parameters:
  • Purpose: 50
  • acNum: LRN

Parent topic: Overview of UPI