India’s Unified Payments Interface (UPI) has fundamentally transformed everyday transactions, from settling grocery bills to transferring money to family members. As digital transaction volumes continue to scale rapidly, payment platforms and regulators are rolling out enhanced safety updates aimed at curbing fraud and reducing transaction errors.

In recent weeks, users have started noticing additional verification prompts during routine transfers. While the fundamental payment experience remains unchanged across major applications like Google Pay, PhonePe, Paytm, and BHIM, these updates introduce critical background checks to secure the digital ecosystem.

Why More Verification Checks Are Appearing

The primary driver behind these updates is the prominent display of verified recipient information before a user authorizes a transaction. Historically, peer-to-peer transfers relied heavily on entering mobile numbers, selecting saved contacts, or typing unique payment aliases. However, a single typographical error frequently led to funds being routed to incorrect accounts.

By making beneficiary identities highly visible on the final payment screen, platforms give users a definitive window to confirm the target account. This proactive friction specifically targets accidental transfers, which remain one of the most frequent grievances reported to banking helpdesks.

Neutralizing Digital Frauds and Scams

The immense popularity of UPI has made it a frequent target for social engineering and payment scams. Common tactics involve fraudsters generating deceptive collect requests or setting up account names that mimic legitimate businesses.

Prominent recipient displays provide an essential checkpoint against these tactics. The system encourages users to pause for a few seconds to review the verified identity behind the handle, making it significantly harder for fraudulent requests to go unnoticed. The objective is to systematically build transaction confidence without adding unnecessary delays to the user journey.

Best Practices for Everyday Security

While automated background safeguards handle the bulk of the security lifting, digital payment platforms urge users to maintain fundamental security habits:

• Verify Identity Parameters: Always cross-reference the displayed name, target payment ID, and the exact monetary amount before entering your security PIN.

• Avoid External Proofs: Never authorize payments based solely on unverified screenshots, SMS receipts, or links sent by unfamiliar numbers.

• Exercise Caution with QR Codes: Be highly skeptical of QR codes received via social media platforms or chat applications, as these are frequently used to mask unauthorized debit requests.

When dealing with unfamiliar vendors or unverified individuals, confirming credentials through an independent, trusted channel remains the safest approach before executing any transfer.

Frequently Asked Questions

Why are UPI apps showing more recipient verification details before payments?

Payment platforms are displaying verified beneficiary details more clearly to help users double-check the recipient’s identity, directly lowering the chances of accidental transfers due to typing errors.

Will these additional verification measures make UPI payments slower?

No. The enhanced security parameters are integrated to run seamlessly in the background, ensuring that transaction authorization remains as fast and convenient as the standard process.

How do these verification checks help prevent online fraud?

By exposing the actual verified name associated with an account prior to the final authorization step, the system helps users spot deceptive payment requests or cloned accounts used by scammers.

The post New UPI Security Updates: What You Need to Know first appeared on Rightsofemployees.com.

With these, apart from increasing the security of the system, an attempt will be made to give a better experience to the users. You can read about these rules in detail below.

You will be able to check the balance only this many times in a day

Till now you could check your bank account balance as many times as you wanted with the help of UPI apps (like Google Pay, PhonePe or Paytm). However, now balance can be checked only 50 times a day in each app. The reason behind this is that often some apps check balance repeatedly in the background, which puts more load on the bank server. This slows down the system and sometimes even crashes, so now this limit has been fixed so that there is no pressure on the resources.

Linked account listing also restricted

Also, now you will be able to see the information of bank accounts linked to your UPI profile (List Account API) only 25 times in every app. Along with this, it has also been made mandatory that this data should be accessed only after taking permission from the user. This step is very important for data privacy and safety.

Time Limit for Recurring Payments

If you have scheduled bill payments like Netflix , electricity bill, EMI, SIP using UPI Autopay , then now these transactions will be processed only in non-peak hours. 10 AM to 1 PM and 5 PM to 9:30 PM are considered peak times. Apart from this, if an Autopay transaction fails, only 3 retries will be allowed. That is, after a total of 4 attempts, that mandate will be considered failed.

Transaction status now in 90 seconds

Now if any of your transactions goes into Pending or Processing, you will get its status update within 90 seconds. Earlier, many times people had to wait for hours and talk to customer care, now this problem will end. However, a user can now check the status of the same transaction only 3 times at most and there should be a gap of at least 90 seconds between each time.

UPI ID of inactive mobile number will be closed

If you have not used the UPI ID associated with any of your mobile numbers in the last 12 months, then that ID will be closed automatically. This change has been brought about so that if an old mobile number is given to another user, money is not transferred from it by mistake. This will also reduce the possibility of fraud.

Adding a new bank account will be more safe

Now if you want to link a new bank account in UPI apps, then there will be more verification checks in that process. This may include multi-factor authentication, mobile OTP and other safety checks at the bank level. This change has been made especially for those users who are linking a new bank account for the first time.

Faster API response time

Now the response to UPI APIs like transaction initiation, address validation etc. should come within 10 seconds. Earlier this time was up to 30 seconds, due to which some transactions got slowed down. Now faster response time will improve the payment experience and apps will run more smoothly.

New system for UPI payment fees

Now the common customer or seller will not have to pay any charge on UPI payment, but payment aggregators like Google Pay, PhonePe will have to pay transaction fees to the banks. This will balance the cost of maintaining the UPI network. However, the government has made it clear that its burden will not be put on the common customers under any circumstances.

Let us tell you, ICICI Bank has announced that now aggregators will have to pay fees for UPI transactions. For this, the bank has sent letters to payment aggregators (PAs) and told them that they will have to pay up to Rs 10 on UPI transactions. Yes Bank and Axis Bank already charge PAs for UPI payments.

After all, why were these big changes made?

By the year 2025, more than 18 billion UPI transactions are happening every month in India. In such a situation, the increasing load on the server was affecting the performance of the system. Balance check, autopay and other APIs were being used repeatedly. The decision to limit them was taken so that the UPI system could remain more stable and reliable. Apart from this, many cases have come to light in which transactions were done on old mobile numbers or in the wrong name by mistake. Now the name of the beneficiary will be visible before the transaction, which will warn the user.

Till now, UPI service was completely free and its cost had to be borne by banks and the government, but in view of the increasing transactions and operational expenses, it has now become necessary that payment aggregators (such as Google Pay, PhonePe etc.) also bear some of its burden. Similarly, during the busy hours of evening and morning, all AutoPay transactions increase the pressure on the system and some transactions fail. By limiting it to non-peak time in the new rules, this problem will also be solved to a great extent.

You have to keep these things in mind

It is clear that now you will have to use your UPI apps with a little caution. You will have to give up the habit of checking the balance frequently and do it only when necessary. You will also have to pay attention to the time of autopay transactions and ensure that the payment is scheduled during non-peak hours. At the same time, if a transaction is stuck, it is important to wait a while to check the status again. It is important to understand and adopt these changes so that you can take advantage of UPI correctly and safely.

The post UPI users Alert: 7 Major Rule Changes Effective – Avoid These Mistakes to Prevent Payment Failures first appeared on Rightsofemployees.com.

The bank said that this interruption will be due to a scheduled maintenance activity so that the system can be improved. During this time, customers will not be able to use the normal UPI service. However, SBI has also said that UPI Lite service will continue during this time. The bank has also apologized for the inconvenience caused to the customers.

Due to scheduled maintenance activity, SBI UPI services will be temporarily unavailable from 00:15 hrs to 01:00 hrs on 22.07.2025 (IST).

Customers may continue to use UPI Lite Services for uninterrupted service.

We regret the inconvenience caused to our customers.

— State Bank of India (@TheOfficialSBI) July 20, 2025

What is UPI Lite?

Let us tell you that UPI Lite is a payment solution. The Lite version of UPI is called UPI Lite. For UPI payment, you need a 6 or 4 digit UPI PIN, money can be transferred without PIN through UPI Lite.

How to activate this feature

• First of all open Paytm/PhonePe/GooglePay/BHIM app
• Now click on ‘UPI Lite Activate’ option.
• Select your bank account which you want to link to add money with UPI Lite.
• Enter the amount to add to your wallet.
• Enter UPI PIN.
• After this your UPI Light Wallet account will be activated.

The post SBI customers alert, UPI service will be closed on July 22, know the timing first appeared on Rightsofemployees.com.

UPI (Unified Payments Interface) has been a revolutionary step in the world of digital payments, which inspired people to move towards cashless transactions. Today, millions of Indians send and receive money every day through UPI based apps like Paytm, Google Pay, PhonePe, or just open the app to check balance.

But if you are also used to checking balance several times a day or making small transactions, then now this habit may have to be changed. NPCI (National Payments Corporation of India) has announced to implement some new rules from August 1, 2025, which will directly affect UPI users.

New rules will be implemented from August 1

According to the new rules to be implemented from August 1, 2025, the limit of free UPI transactions will be fixed. Now a limit will be set on how many times you can check balance or transact with UPI in a day. Additional charges may be levied on repeated small transactions or balance inquiries.

Users cannot check balance during peak hours

NPCI has described 10 am to 1 pm and 5 pm to 9:30 pm as ‘peak hours’. API requests will be limited during these times. If you check your bank balance or check transaction status several times during this time, the bank may give you a message of ‘Try again later’. NPCI says that important transactions should get priority during this time. To ensure that the user does not check the balance multiple times on the app, the bank will also have to ensure that the user gets balance information after every transaction.

Users using UPI autopay for services like Netflix, Prime or SIP, insurance can avail this facility only during non-peak hours. That is, this facility will not be given to the users from 10 am to 1 pm and 5:30 pm to 9 pm. According to NPCI, there will be only one attempt for each autopay mandate and it can be tried a maximum of 3 times, but all these attempts will also be valid within TPS limit and non-peak time.

Reason for taking the decision

In the last few months, after receiving complaints of delay of more than 90 seconds and crash of UPI system, some people demanded to impose a charge on UPI so that its service can be improved. Although NPCI refused to impose the charge, it has started imposing a limit during peak time.

Its effect on common users

If you open the UPI app several times a day to check your balance, then now you will have to be careful about it. After the new system, you may have to pay a fee for repeatedly checking the balance or making small transactions. Therefore, it is important that users change their habits and use UPI more thoughtfully.

Ration Card KYC : If you have a ration card, then do this work, if you don’t do it, you will crave for free ration

The post UPI New Rule, checking balance throughout the day will affect your pocket first appeared on Rightsofemployees.com.

However, many times people accidentally transfer money to someone else’s UPI ID or account. If something like this happens to you too, then there is no need to panic.

Keeping these things in mind, the Reserve Bank of India (RBI) has issued new guidelines addressing the concerns related to wrong transactions on UPI. Under the new rules, if you transfer money to the wrong UPI ID, you can get your money back within 24 to 48 hours. When both the sender and the receiver use the same bank, the refund process is faster. However, if different banks are involved in the transaction, the refund process may take longer.

Also Read: Airport New Service: People of this state will get this special facility at Delhi airport

Here are 5 Ways to Recover Money Sent to the Wrong UPI Address:

• Contact the Recipient: Reach out to the person who received the funds by mistake and request a refund. Provide them with the necessary transaction details and ask for their cooperation in returning the money.
• Contact UPI App Customer Support: Report the incorrect transaction to the customer support team of your UPI app. Share all relevant information and evidence of the transaction. They can assist in initiating the refund process.
• File a Complaint with NPCI: If you cannot resolve the issue through the app’s customer support, file a complaint with the National Payments Corporation of India (NPCI). Provide them with the transaction details and supporting evidence for further investigation.
• Seek Help from Your Bank: Inform your bank about the erroneous transaction. Provide them with all necessary details and documentation. They can help initiate a chargeback process to recover the transferred funds.
• Call the toll-free numbers: In case of a wrong UPI address transaction, you can call on toll-free number 1800-120-1740.

Related Article:- 

• FD Rate Increased: Bank has Increased the Interest rate on 444 days FD to 7.85 Percent
• House Renting Tips: These important tasks have to be completed before renting the house
• RBI Launches Nationwide Quiz for Undergraduate Students
• Public Holiday: 25th and 26th August declared public holidays, Everything from office to bank to school will remain closed.

The post RBI’s New Rule On How To Recover Money Sent To Wrong UPI Address first appeared on Rightsofemployees.com.

From street vendors to retail chains, UPI is now ubiquitous in India because of the ease with which transactions are made. Even after that , due to wrong typing of UPI ID many times the money gets transferred to someone else. What should be done in such a situation so that your money can be recovered?

If wrong UPI ID money has been transferred

By the way UPI is a safe payment system. Even after that, even small mistakes made on your part can cause financial loss. Entering wrong UPI ID and transferring money to someone else’s bank account by mistake are some of the mistakes you might have come across. Most of us panic in such situations, but according to the Reserve Bank of India, you are recovering the money transferred to another account by entering the wrong UPI by taking the right steps.

The post Digital payment systems: Money transferred to wrong UPI ID? can be recovered in this way first appeared on Rightsofemployees.com.

Digital payments or UPI payments in India are powered by apps like BHIM UPI, Google Pay, PhonePe, Paytm, Amazon Pay and individual apps launched by respective banks. Now, the Reserve Bank of India has come up with a new rule that will not only boost consumption but also help UPI users by providing them with payment options.

The National Payments Corporation of India (NPCI) launched the RuPay credit card on the UPI platform on September 20, following which it was authorized by the RBI. Experts say that soon the credit cards of other banks will also be linked to UPI.

How will users benefit from this?

You must be aware that credit cards offer an interest free repayment period of around 30-45 days. So, if users make UPI payments using their RuPay credit cards, they will get more time to pay back to the bank, whereas earlier, the money was deducted from their bank accounts immediately.

The post Good news for UPI users, soon another benefit is coming first appeared on Rightsofemployees.com.