UPI Now, Pay Later: Not enough money in bank account? You can still do UPI transactions and pay later; how to use

UPI Pay Later lets you make UPI transactions even when your bank account balance is low or zero, by offering a short-term credit facility linked to your UPI ID. This convenient feature allows you to pay merchants instantly and settle the amount later within a specified credit period, making payments hassle-free. To use UPI Pay Later, simply select the Pay Later option in your UPI app during checkout and follow the prompts to avail credit. It’s a smart way to manage cash flow without interrupting your daily transactions.