How to Use Smart Rings for UPI Payments in India 2025
Imagine paying for your
morning chai by just tapping your smart ring – no
phone, no wallet! With UPI-enabled smart rings launching
in India, this futuristic payment method is now a reality.
This 2025
guide covers everything you need to know:
✅ Best UPI-compatible smart rings
✅ Step-by-step
setup guide
✅ Security
risks & safety tips
✅ Where
you can use it
✅ FAQs
(People Also Ask)
Let’s dive in!
1. Which Smart Rings
Support UPI Payments in India? (2025 Update)
Not all smart rings work
with UPI. Here are the top 5 models that do:
1. McLear RingPay
·
Features:
o
NFC-based
UPI/contactless payments
o
Works with Paytm,
PhonePe, GPay
o
5-day battery life
·
Best for: Frequent UPI users
2. Token Ring (by Kerv)
·
Features:
o
Global NFC payments
(works abroad)
o
No charging needed
(2+ years battery)
·
Best for: International travelers
3. Paytm-SBI NFC Ring (New Launch)
·
Features:
o
Direct Paytm UPI
integration
o
Budget-friendly
·
Launch Date: December 2025
4. Ultrahuman Ring Air
·
Features:
o UPI + health tracking (SpO2, heart rate)
o Titanium build
·
Best for: Fitness + payments combo
5. Noise Luna Ring
·
Features:
o
Basic NFC payments
o
Works with BHIM UPI
·
Best for: First-time users
2. How to Set Up UPI
on a Smart Ring? (Step-by-Step)
Step 1: Buy a UPI-Compatible Smart
Ring
·
Ensure it has NFC (Near
Field Communication).
Step 2: Link Your UPI App
1.
Open GPay/PhonePe/Paytm.
2.
Go to Settings
→ NFC Payments.
3.
Select "Add
Wearable Device" → Choose your ring.
4.
Authenticate
via UPI PIN.
Step 3: Test It!
·
Tap your ring
on any NFC card machine (look for the contactless
symbol).
·
Works for transactions
under ₹5,000 (no PIN needed).
3. Is It Safe?
Security Risks & Precautions
✅ Pros (Safe
Features)
✔ Transaction Limit: Max ₹5,000
per tap (RBI rule).
✔ Remote
Blocking: Disable payments via UPI app if lost.
✔ No
Internet Needed: Works offline.
❌ Risks
& Fixes
·
Risk: If stolen, someone can misuse for small payments.
o Fix: Set
up transaction alerts on your UPI app.
·
Risk: Limited merchant acceptance (needs NFC machine).
o Fix: Check
stores like DMart, Starbucks, Metro stations.
4. Where Can You Use
a UPI Smart Ring?
You can tap-to-pay at:
🛒 Retail
Stores – DMart, Reliance Fresh, More
☕ Cafes –
Starbucks, CCD
⛽ Fuel
Pumps – HP Pay, BPCL
🚇 Metro
Stations – Delhi Metro, Bangalore Metro
💡 Pro Tip: Look
for the WiFi-like symbol on card machines.
5. Smart Ring UPI vs
Phone UPI: Which is Better?
|
Feature |
Smart Ring |
Phone UPI |
|
Speed |
Instant (just tap) |
Scan QR code |
|
Battery |
5-7 days |
Needs charging |
|
Security |
Like contactless card |
More secure (PIN) |
|
Cost |
₹7K – ₹15K |
Free |
Verdict:
·
Ring =
Faster, no phone needed.
·
Phone = More
secure, widely accepted.
6. FAQs (People Also
Ask)
❓ Q1. Do I
need a bank account for a UPI ring?
→ Yes! It
links to your existing UPI ID (PhonePe/GPay).
❓ Q2. Can I
use it without a smartphone?
→ No. Setup
requires a phone, but payments work offline.
❓ Q3. What
if my ring runs out of battery?
→ NFC works
even when dead! (Like contactless cards).
❓ Q4. Are
there cheaper options?
→ Paytm’s NFC
ring (₹7,499) is the most affordable.
❓ Q5. Is UPI
on smart rings secure?
→ Yes, for
small payments (under ₹5,000). Avoid storing high limits.
Final Verdict: Should
You Get One?
👍 Get It If:
·
You hate
carrying phones/wallets.
·
You often
visit NFC-enabled stores.
👎 Avoid If:
·
You mostly use QR
code payments.
·
You’re worried
about loss/theft risks.
🚀
Where to Buy?
·
McLear
RingPay: Amazon India
·
Token Ring: Official Website
Would you switch to a UPI smart ring? Let me know in the comments!