How to Use UPI Like a Pro: 10 Features Most Indians Have Never Tried

You use UPI every day. But chances are you are only using 20% of what it can do. Here are 10 features that will change how you manage money.

1. UPI AutoPay

Set up automatic payments for your Netflix, electricity bill, insurance premium, and SIP investments. Never miss a payment again. Set it up once, forget about it forever.

2. UPI Lite

For payments under ₹500, UPI Lite works without internet. Load money into your Lite wallet and pay even in areas with zero signal. Perfect for markets and travel.

3. Credit Card on UPI

Link your RuPay credit card to UPI and pay anywhere UPI is accepted using your credit card. This means you earn credit card rewards on every UPI transaction.

4. UPI for International Payments

UPI now works in UAE, Singapore, UK, France, and 8 other countries. Indian travellers abroad can pay at shops and restaurants directly from their Indian bank account.

5. Check Anyone’s UPI ID

Before sending money, always verify the receiver’s name that appears after entering their UPI ID. If the name does not match who you expect, do not send.

6. UPI Circle

Delegate UPI payment permissions to a family member. Parents can allow children to make payments up to a set limit from the family account. Perfect for managing household expenses.

7. Scan and Pay in Any App

You do not need to switch apps to scan a QR code. Most UPI apps let you scan any QR code from within the app without opening the camera separately.

8. UPI One World

Foreigners visiting India can now get a UPI-enabled prepaid wallet without an Indian bank account. India’s payment system is going truly global.

9. Block and Report Instantly

If you receive a suspicious payment request, block and report the UPI ID directly from your app. It takes 10 seconds and protects other users too.

10. Transaction History Export

Export your complete UPI transaction history as a PDF or Excel file for tax purposes or expense tracking. Available in PhonePe, GPay, and Paytm.

The Bottom Line

UPI is the most advanced consumer payment system in the world. Most Indians are using a Ferrari in first gear. Try one new feature this week.

Written by

Siddharth Bhattacharjee Founder & Editor-in-Chief

Siddharth Bhattacharjee is the founder and editor of TheTrendingOne.in. A brand and growth strategist with over a decade of experience including nine years at Amazon across Amazon Pay, Health & Personal Care, and MX Player, he built TheTrendingOne.in to deliver analyst-grade news for ambitious professionals worldwide. He covers markets, geopolitics, AI, and the business trends that matter most to decision-makers.

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