UPI Users Alert - Rightsofemployees.com

UPI users Alert: 7 Major Rule Changes Effective – Avoid These Mistakes to Prevent Payment Failures

Pravesh Maurya — Sat, 02 Aug 2025 05:28:10 +0000

UPI (Unified Payments Interface), which has become the most reliable and easy way of digital payment in India, is used by crores of people daily. Due to the pressure on its system, from August 1, 2025, NPCI (National Payments Corporation of India) has implemented some major changes and rules, which will affect every UPI user.

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.

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UPI users Alert! Your UPI Balance Check Is No Longer Free – Here’s What You’ll Pay

Pravesh Maurya — Wed, 30 Jul 2025 02:29:19 +0000

UPI New Rules 2025 Now your UPI will not be free. You may have to pay money for using it. From August 1, big changes are going to happen in UPI which will have a direct impact on your pocket.

These include rules like charges for checking balance repeatedly and penalty on transactions exceeding the limit. If you are a UPI user then it is very important to know about these changes.

Now your UPI (Unified Payment Interface) will not be free. You may have to pay money for using it. Actually, from August 1 (UPI New Rules 1 August) big changes are going to happen in UPI, which will directly affect your pocket.

These include many rules like charges for checking balance repeatedly and penalty for transactions exceeding the limit (UPI balance check limit). If you are a UPI user then it is very important for you to know about these changes. So let’s know one by one what are those changes?

What will change in UPI?

There are going to be five major changes in UPI from August 1. These include:

Balance Check Limit
Autopay on time
Limit on payment reversal
Limit in checking payment status
Limit on viewing transaction history

1. Balance Check Limit

Till now UPI users can check their balance as many times as they want in a day. But now a limit has been imposed on it. From August 1, a user will be able to check balance only 50 times in a day. According to NPCI (National Payments Corporation of India), this limit has been kept so that there is no pressure on the server during other important payments and there is no hindrance in UPI payments.

2. Autopay on time

Usually, money gets deducted from autopay anytime in 24 hours. But now this facility will work only before 10 am and from 1 pm to 5 pm. After the stipulated time, you will not be able to do any transaction. That means you may face problems in this. Especially for those payments which you have set on autopay. Like SIP through UPI, digital investment or payment of OTT app.

3. Limit on payment reversal

Now a limit has been set for chargeback i.e. getting the payment back. Now every user can request chargeback only 10 times in a month. And you can ask for money back from any one person or company only 5 times.

4. Limit in checking payment status

Usually users check payment status after making payment several times a day. NPCI has put a limit on this as well. That means now you will be able to check payment status only 3 times in a day. There must be a gap of at least 90 seconds between them.

5. Limit on viewing transaction history

Now every user will be able to check his bank account details only 25 times in a day from any one app. This has put a limit on repeatedly checking the balance or viewing the transaction history.

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UPI users alert! New rules are being implemented in UPI from August 1, 2025, know them immediately

Pravesh Maurya — Fri, 25 Jul 2025 10:39:07 +0000

New rules are being implemented in UPI from August 1, 2025. There will now be strict limits on balance checks, autopay timings and transaction status. Know how your daily transactions will be affected.

Alert to UPI Users

If you use apps like Paytm, PhonePe and Google Pay, then it is very important for you to know this news. Actually, from August 1, many rules related to UPI are going to change, which is going to bring a big change in the lives of common people. Let’s know about these, due to which UPI is going to become even stronger and reliable.

Rule 1: New limit for balance checking

From August 1, 2025, UPI apps like Google Pay, PhonePe, Paytm etc. will allow only 50 balance checks per app per day. If a user uses two UPI apps like Paytm and PhonePe at the same time, he will be allowed 50-50 balance checks in both the apps, i.e. a total of 100 checks will be possible. But this will be limited for each app.

According to the new policy, these changes will now happen

According to this new policy, UPI Apps will be required to stop balance check API calls during peak hours (10 AM to 1 PM and 5 PM to 9:30 PM). During this time, the bank will have to send automatic balance updates after every transaction on behalf of the users so that users do not have to do “Balance Inquiry” again and again.

Rule 2: AutoPay mandates will now only apply during non‑peak hours

Starting August 1, AutoPay mandates set via UPI, such as OTT subscriptions (Netflix, Amazon Prime), SIP, EMI debit, etc., will now be processed only during non-peak times: before 10 AM, between 1 PM and 5 PM, and after 9:30 PM.

Rule 3: New restrictions on Transaction Status Checks

When a UPI transaction is pending or stuck, the bank or user often keeps checking the transaction status repeatedly. Now as per the rules applicable from August 1: The first transaction status check can be done only when at least 90 seconds have passed after the transaction is authenticated.

View status after 90 seconds

Avoid checking ||status|| repeatedly if the transaction is not visible immediately. If the status is not visible, check again after 90 seconds, and maximum three times. If the status is still not available, contact customer care. Repeated checking may slow down the system.

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UPI users alert: New system will start from June 16, method of payment will change

Jyoti — Fri, 02 May 2025 08:31:45 +0000

The speed of Digital India is going to increase further. From June 16, 2025, your UPI payments will be completed in just 15 seconds. Till now this process used to take an average of 30 seconds.

Announcing this change, the National Payments Corporation of India (NPCI) has instructed all banks and payment service providers (PSPs) to halve the API response time i.e. the speed of transaction completion.

This will not only make the use of UPI faster but also more reliable. At present, when you make payment by scanning a QR code at a shop, your bank (eg ICICI) sends a request to the receiver’s bank (eg HDFC) through NPCI’s network. After this, it is confirmed whether the transaction was successful or not, and its answer comes back to your bank. This same process will now be twice as fast as before – that is, in just 15 seconds instead of 30 seconds.

Status checking and refund will also be fast

The new rules also state that if for some reason the transaction remains incomplete, then now the process of status update and refund will also be faster than before. Earlier, where the bank was allowed to check the status only after 90 seconds of the transaction, now this time has been reduced to 45-60 seconds.

A look at the growth of UPI

In April 2025, there were 17.89 billion transactions through UPI, showing a growth of 34% year-on-year.
Transaction value stood at Rs 23.95 lakh crore, an increase of 22%.
However, there was a slight decline compared to March, possibly due to the difference in the number of days in the month (31 in March, 30 in April).

What does this mean for you?

Less waiting time: Payment processing will be faster even in crowded places
Improved refund experience: Quick status and money back on failed transactions
Less dependency on connectivity: Encrypted and fast communication

This initiative by NPCI will not only make UPI faster but will also make India’s digital transaction ecosystem more competitive globally.

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UPI users alert! Banks and UPI apps will implement new mobile number verification rules after Next 2 days

Jyoti — Sat, 29 Mar 2025 04:28:43 +0000

The National Payments Corporation of India (NPCI) has made new rules to make UPI transactions safer and better, which will come into effect from April 1, 2025.

These changes have been made to make UPI more secure and prevent fraudulent transactions. From April 1, 2025, such Paytm, Google Pay, PhonePe and bank accounts with linked mobile numbers that are not active are being closed. Along with this, Bharat Interface for Money i.e. BHIM app is going to launch its upgraded version in April. With BHIM 3.0, you will get the benefit of five new features.

1. Checking the mobile number

Banks and apps like Paytm, Google Pay, PhonePe will now have to update the “Mobile Number Revocation List” (MNRL/DIP) every week. This will reduce errors related to old or given numbers to someone else. If a mobile number is not used for 3 months (no calls, messages or data), then telecom companies give it to someone else. UPI IDs associated with such numbers will be deactivated. Users will have to keep the mobile number registered with their bank active.

2. Ban on “Collect Payment”

Collect Payment (sending a request to ask for money) on UPI will now be available only to large and verified merchants. The limit for Collect Payment among the general public has been set at ₹2,000 per transaction. This step has been taken to reduce fraud.

Keep these things in mind: If your mobile number has changed or has not been used for a long time, update it quickly in your bank and UPI apps. You will not be able to use Collect Request to make payments above ₹2,000. Instead, make a direct payment or pay the merchant.

New features to be added to BHIM app from April

Bharat Interface for Money i.e. BHIM app is going to launch its upgraded version in April. With BHIM 3.0, you will get the benefit of five new features. NPCI BHIM Services, fully controlled by the National Payments Corporation of India (NPCI), launched a new upgrade of BHIM UPI on Tuesday. BHIM 3.0 will be available in more than 15 languages of the country. It is worth noting that the BHIM app is working on 22.6 crore Android phones and 88 lakh iOS platforms. At present, the number of UPI users in the country is around 30-40 crore.

The third version of the BHIM app comes with features like family mode to manage payments, the ability to work even in areas with weak internet connectivity, and a more user-friendly user interface (UI). This application will give users a completely new experience. Not only this, with BHIM 3.0, you can also monitor your monthly expenses by going to the dashboard, which will make it easy to know where and how much you are spending. This app will categorize all the expenses you make into different categories.

With BHIM 3.0, BHIM service has been launched for merchants. With the help of this, merchants will be able to make payments within the app and they will not need to go to any other app. According to NPCI, all these changes made in BHIM will be gradually introduced on all platforms. The company has also introduced ‘BHIM Vishwas’ scheme. It is currently under discussion for launch. BHIM has partnered with Bank of Baroda, Canara Bank, Karnataka Bank and Union Bank for its upcoming schemes.

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UPI users alert! New rules for UPI payments are being implemented from 1st February, check immediately

Jyoti — Thu, 30 Jan 2025 06:28:31 +0000

There is a risk of UPI transactions being shut down from February 1. Actually, if the payment app uses special characters in the transaction ID, then the central system will not accept the transaction from that app.

If you use UPI payment app then this news is useful for you. Actually, from February 1, no UPI app will be able to use special characters to generate transaction ID. If any app uses special characters in the transaction ID, then the central system will cancel that payment. National Payment Corporation of India (NPCI) had issued these guidelines for business users, but it will also affect common customers.

So changes are being made

NPCI wants to standardize the process of generating UPI transaction ID. Therefore, it has ordered all companies to add only alphanumeric characters in the transaction ID. These orders will come into effect from February 1. This means that if an app does not follow these orders, then payment through UPI will not be completed. The responsibility of following the orders has been put on the apps themselves.

Orders were issued earlier also

NPCI had earlier issued orders to make this process standard. In the orders issued in March last year, it was said to make the transaction ID of 35 characters. Earlier, the transaction ID had 4 to 35 characters. In view of this, it was said to generate an ID of 35 characters.

UPI’s share in digital payments reached 83 percent

UPI’s share in the country’s total digital payments has doubled to 83 percent in five years. In 2019, its share in total payments was 34 percent. This information has been received from a report of the Reserve Bank of India (RBI). In contrast, transactions through NEFT, RTGS, IMPS, credit and debit cards have decreased to 17 percent of total digital payments. Their share was 66 percent in 2019.