NPCI QR Code: Now international UPI transactions will not be possible through QR share and pay, says NPCI. NPCI means National Payments Corporation of India. This is the organization that runs UPI.
Earlier people used to make payments through UPI even abroad by sharing QR code. But now this facility will be stopped.
You are used to making payments or transactions through UPI . You also keep going abroad. Then this news is useful for you. The National Payment Corporation of India (NPCI) has issued a new circular on April 8, 2025. This circular will affect international UPI payments made through QR code. Now it will not be easy to make payments abroad by scanning QR code. This rule has come into effect from April 4, 2025.
What does the circular say
According to NPCI, the ‘ QR Share and Pay’ feature will no longer be available for UPI global P2M (Person to Merchant) transactions. Payer PSPs will have to ensure that the Payer UPI app recognizes it. This means that you will no longer be able to make payments abroad by sharing QR codes. You can understand it in a simple way like this, suppose you buy something from a shop abroad. They send you a QR code for payment. You save that QR code in your phone. Now, if you scan that QR code, you will not be able to make the payment.
UPI is running in 7 countries
According to the NPCI website, currently 7 countries including France, Mauritius, Nepal, Singapore, Sri Lanka and UAE accept UPI-based QR payments from India . In these countries, you can make payments by directly scanning the QR code.
What will be its effect
Now we understand how this new rule will affect users and merchants. Till now, merchants, especially small merchants, used to send their QR codes to customers through WhatsApp and other social media. Customers used to save that QR code in their phones. Then they used to scan it and make payment using a PSP (payment service provider) app like Paytm or PhonePe. This facility was available to merchants both in India and abroad. But now, UPI payments will not be possible abroad by sharing QR codes. Payment service providers (PSPs) have been asked to ensure that their UPI applications recognize and block such international QR share-and-pay-based transactions.
What in your country
Don’t get confused with domestic QR Share & Pay-based transactions. The rule states that the limit for ‘QR Share & Pay’ will be Rs 2,000 for all P2M (non-verified offline merchants). The Payer PSP has to ensure that the Payer UPI app recognises it. This means that if you are making a QR code payment to a merchant in India that is not registered with NPCI, you will not be able to pay more than Rs 2,000 at a time through the QR Share & Pay method. It is worth noting that the domestic limit of Rs 2,000 is already in place. This change has been made only for international transactions.
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