These changes will directly affect common people, shopkeepers, freelancers and merchants dependent on digital transactions. The National Payments Corporation of India (NPCI) has changed some rules to make UPI transactions more secure, faster and server friendly and the new rules will come into effect from August 1, 2025.

NPCI has taken this decision in view of the increased server load and failed transactions in the last few months. In the past months, due to the rapidly increasing traffic on the UPI server, the incidents of failed and slow transactions have increased. The purpose of these new rules is to reduce the pressure on the server, so that the UPI network works fast and uninterrupted.

Limit on checking balance fixed

From August 1, UPI users will be able to check balance only 50 times a day from any one app. If you use two different apps, then this limit will be applied separately on each app. During peak hours (10 am to 1 pm and 5 pm to 9:30 pm) balance check will be banned or access will be limited so that server load is reduced.

Balance update will be available after every payment.

Now after every successful payment, the bank itself will tell you how much balance is left in your account through SMS or in-app notification. This will eliminate the need for shopkeepers, freelancers, small businessmen to check the balance again and again.

Autopay now only during non-peak hours

Auto payments like Netflix, Amazon Prime, EMI or SIP will now be processed only during non-peak hours. Autopay will happen before 10 am, between 1 pm to 5 pm and after 9:30 pm. There will be no autopay transactions during peak hours.

Check the status of failed or pending transactions:

Now if a transaction fails or is pending, its status can be checked only after at least 90 seconds. Transaction status can be checked only 3 times a day. There will be a gap of at least 45-60 seconds each time.

Banks will have to get the UPI system audited.

Now every bank will have to get its UPI system audited once a year. The first report will have to be submitted by 31 August 2025. Payment reversal (chargeback) can be demanded only 10 times in 30 days. Basic UPI features like money transfer, payment by QR scan or merchant transactions will not be affected by these changes.

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This will make your transaction experience even better. If you use Google Pay, PhonePe or any UPI platform, then now your experience will be better than before. Know here what changes have been made in the UPI system and how it will work now.

What’s the change?

From now on, UPI payments will become even faster, more reliable and smarter. NPCI (National Payments Corporation of India) has launched a major upgrade in the UPI system. This will increase the speed of transactions by 66 percent. Payment failures or refunds will be much faster than before. The entire process will become more streamlined and secure.

How fast will the service be?

According to NPCI, the time taken to send a payment and receive a response has been reduced from 30 seconds to 15 seconds. If the transaction fails, the refund will now be done in just 10 seconds. Tasks like status check and address verification will now be done in just 10 seconds.

Why was this upgrade necessary?

Crores of transactions are done on UPI every day. With so much traffic, the system gets overloaded and sometimes payments get stuck or arrive late. Now NPCI has made such improvements at the technical level that these problems will be eliminated to a large extent.

Which apps will benefit?

These improvements will apply to all UPI service providers. This includes Google Pay, PhonePe, Paytm UPI, BHIM, WhatsApp UPI and all banking UPI apps.

This means that any app user will now be able to enjoy a faster and more reliable payment experience than ever before. Users will no longer have to deal with transaction failures and long waits for refunds. The system will also be more stable and easier for banks and payment service providers.

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National Payments Corporation of India is going to implement new API rules in UPI from August 1, 2025. These changes will limit many facilities of UPI users. NPCI has issued guidelines regarding the new service to banks and payment service providers like Paytm, PhonePe. This will affect services like balance check, autopay and transaction status check. Let us know what will change after August 1, 2025 and what users will not be able to do.

Balance information

Users will now be able to check balance only 50 times in a day from any one UPI app. If you use two apps, you can check 50 times in both separately. You will not be able to get balance information more than this.

Time Restrictions for Autopay Payments

Autopay mandates will no longer be processed during peak hours i.e. 10 am to 1 pm and 5 pm to 9:30 pm. These payments will only be processed during non-peak hours, which may delay the autopay schedule.

Transaction Status Check

If a transaction fails due to certain error codes such as network issues, the repeated status check API calls will stop. Users will not know immediately if the payment was successful or not.

List account details

Users will be able to check the list of accounts linked to their mobile number only 25 times a day from an app. This request will work only when the user selects the bank and agrees to it.

NPCI has ordered banks and PSPs to monitor API usage. If the rules are not followed, there may be API restrictions, penalties or a ban on adding new customers. All PSPs will have to give an undertaking for system audit by 31 August 2025. Due to these changes, users will face difficulty in repeatedly checking balance, autopay setup or status. NPCI says that these rules are being made to make the system easy and safe.

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Not only this, if any transaction fails or happens by mistake, then checking its status or reversing it will now take only 10 seconds, which used to be 30 seconds earlier.

It will also take less time to check the status

If for some reason the status of the transaction is not visible immediately, then the bank or app (like PhonePe, Paytm ) checks the status through ‘Check Transaction Status API’. Till now this API used to start after 90 seconds. From June 2025, it will be started in just 45-60 seconds. This means that you will have to wait only half the time as compared to now to check the status of the transaction.

The Check Transaction Status API is used when the status of a transaction is not known. This change is being made to reduce the load on the system and provide quick responses to the user. This API will not run for certain reasons for transaction failure (such as network timeout, connection failure), and such transactions will be considered as failed directly. Banks and apps can check the status a maximum of 3 times within 2 hours.

Both the reliability and speed of the payments system will improve

TechFini co-founder Jai Kumar says that this step has been taken so that users can quickly get information whether their transaction has been completed or not. This will improve both the reliability and speed of the payments system.

UPI users will benefit directly from this

UPI users will get direct benefit of the new API rules and timing changes. Let us know about the benefits available to customers in some points…

• Fast status update: Transaction status will be known in less time, reducing waiting time.
• There will be relief from wrong fail marking: Earlier, transactions were considered failed due to minor technical problems. Now this will happen less.
• Better trust and experience: UPI users will get a better and faster experience with every transaction.

Will the pressure on the system increase?

When all banks and payment apps adopt these new rules, there may be challenges for some time. But Rahul Jain, CFO of NTT DATA Payment Services India, says that India’s UPI system is quite strong and is capable of handling the change.

What will happen if the rules are not followed?

NPCI has also clarified that if a bank or app does not respond to the API within the stipulated time limit, a fine can also be imposed. Jai Kumar of TechFini explains that these fines can be imposed based on the severity of the transaction and the delay.

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Update your active number as soon as possible for safe transactions, otherwise there may be trouble in payment

If you make UPI payments through apps like Google Pay, PhonePe, Paytm, then this news is very important for you. New rules have come into effect from April 1, 2024, under which the National Payment Corporation of India (NPCI) has instructed to remove all those mobile numbers from the bank account which are inactive for a long time. The purpose of this move of NPCI is to prevent cyber fraud and cheating, because many times inactive mobile numbers are re-issued by telecom companies, which increases the possibility of fake transactions.

If your bank account also has an old or inactive mobile number linked to it, then update it as soon as possible. Otherwise, you may face problems in making UPI payments, such as transaction failure or money reaching the wrong account

Why did NPCI take this decision ?

In view of the rapidly increasing cases of cyber fraud and online fraud, NPCI has issued new guidelines. They say that mobile numbers which are not being used for a long time or are completely closed, need to be removed from the banking and UPI system. Technical problems are also being caused due to inactive numbers, which can affect UPI transactions. Apart from this, if telecom companies re-issue these numbers to another user, then cyber criminals can use them for fraud. For this reason, NPCI has instructed banks and payment apps to remove these numbers from the system.

Why does mobile number play an important role in UPI ?

Your mobile number is your identity for UPI payments. Whenever you send money to someone, the transaction is confirmed through this number. If your mobile number has become inactive or has been issued to someone else, then—

• Payment may fail
• Money may reach the wrong account
• The risk of fraud may increase
• Therefore, it is important that the same mobile number which you have in active status should be linked to your bank account.

What should I do now ?

If an old or long-inactive number is linked to your bank account, check it as soon as possible.

First of all, contact your telecom service provider (Jio, Airtel, Vi, BSNL) and confirm whether your number is still active in your name or not. If the number is closed, activate it immediately by recharging it or go to the bank and get your mobile number updated.

NPCI has directed banks and UPI apps to update the list of inactive numbers every week, so that all such numbers are removed from the banking system after April 1.

If you want to make UPI payments without any interruption, then update your mobile number in time so that there is no problem later.

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To implement this facility, Kiwi has partnered with Collinson International. Collinson International is a global company in the airport experience and customer engagement solutions sector. Users who spend Rs 50,000 through UPI via credit card on the Kiwi platform will get one airport lounge access for free.

The demand for air travel in India is increasing rapidly

By becoming the first UPI app to offer airport lounge access, Kiwi has taken a big step towards providing new convenience to its users. The demand for air travel in India is increasing rapidly and people now want to make their journey more comfortable.

A recent survey by Collinson International found that airport lounge access is one of the most attractive travel rewards for 44% of Indians. This figure is much higher than security fast-track (9%) and airport transfer (7%).

The trend of digital payment is increasing rapidly in the country

It is very easy to avail the airport lounge facility through the Kiwi app which is completely digital. Users can book lounge access through the Kiwi app. For this, they have to generate a pass or QR code, which can be scanned at the lounge entrance to avail the facility. Kiwi is planning to launch another new facility in the future, through which users will be able to give this benefit to their friends, family members or co-passengers as well.

Mohit Bedi, co-founder and chief business officer of Kiwi, says, “We do not want to limit the payment platform to just transactions, but want to make it a great lifestyle experience.” According to data from the Ministry of Finance, UPI transactions through RuPay credit cards have doubled in the first seven months of FY25, which clearly shows that the trend of digital payments is growing rapidly.

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Paytm Payments Bank went live with UPI in February 2023, given by the National Payments Corporation of India to facilitate small transactions. About 6 million users have taken advantage of this feature.

According to the new feature added by

Paytm, the bank has given users the option to link their RuPay credit card with the UPI ID on the Paytm app. With the new split bill feature, users can create friend groups and share their bills in the group. Users can also tag all payments made on Paytm. In this way all the payments can be viewed at any time through a tag.

Vijay Shekhar Sharma, Chairman, Paytm Payments Bank, said, “We continue to innovate in India while protecting Paytm UPI while empowering users.” He said that we have brought many facilities like split bill, Paytm tag, optional UPI ID on Paytm app.

UPI Lite was launched in February

Let us tell you that Paytm is constantly making changes in its features to make it easier for the users. In the past, Paytm had made UPI payment easy for its users. Paytm had launched UPI Lite in the month of February last. It was said to make payment easier and get rid of the problem of repeated payment failure. With this, users can make payment up to Rs 200 without entering any PIN. Along with this, Rs 2000 can be added in UPI Lite and this can be done twice. In this way Rs 4000 can be added in a day.

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Now the Ministry of Finance has given relief information. The ministry said that the government is not considering levying any charge on the UPI payment service.

The Finance Ministry tweeted, “UPI is one such digital platform which is highly convenient for the public and has a major contribution to the economy. No charges are being considered for the UPI payment service. Other options will be considered for cost recovery for service providers.”

UPI is a digital public good with immense convenience for the public & productivity gains for the economy. There is no consideration in Govt to levy any charges for UPI services. The concerns of the service providers for cost recovery have to be met through other means. (1/2)

— Ministry of Finance (@FinMinIndia) August 21, 2022

What is UPI
Let us tell you that UPI is a real time payment system, which allows instant transfer of money from one bank account to another bank account. The special thing is that you can transfer money through UPI anytime, night or day.

How UPI System of Money Transfer Works Using the UPI facility is quite easy. For this, you have to download any UPI app like Paytm, PhonePe, Google Pay, BHIM etc. in your mobile. You can use this system by linking your bank account with the UPI app. Through UPI, you can link one bank account with multiple UPI apps. At the same time, multiple bank accounts can be operated through one UPI app.

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This figure has crossed 36 crores. In February 2022, this figure was 24 crores. Inaugurating the Digital Payment Awareness Week at the RBI head office, Shaktikanta Das said that in terms of value, this transaction is Rs 6.27 lakh crore.

The figure has crossed 1000 crores , this figure is 17 percent more than the Rs 5.36 lakh crore recorded in February 2022. He said that monthly digital payment transactions have been crossing the Rs 1,000 crore mark every time for the last three months. The RBI governor said that since the agreement between UPI and Singapore’s Penau, many other countries have also expressed their desire to enter into such an agreement for payments.

After 10 days of signing the UPI-Penau agreement, the governor told that at least half a dozen countries will make this agreement. Das said that it has been 10 days since the UPI-Penau agreement was signed. During this period, there were 120 transactions for sending money from Singapore and 22 transactions for sending money to Singapore.

Das said, ‘We have taken several steps for internationalization of our payment system and cross-border linkage of India-Singapore’s Prompt Payment System.’

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All companies like Google Pay (GPay), Phone Pay (PhonePe), Amazon Pay (Amazon Pay) and Paytm (Paytm) have fixed the limit for doing transactions every day, which will affect crores of UPI users in the country. Information has been given by issuing a notification in this regard from NPCI.

Check how much transaction can be done every day?

According to the guidelines of the National Payment Corporation of India, now you can transact only up to Rs 1 lakh per day through UPI. At the same time, some small banks have fixed this limit up to 25,000. Let’s check now through which app how much transaction you can do every day.

What is the limit of Amazon Pay?

Amazon Pay has fixed the maximum limit for payment through UPI at Rs 1,00,000. After registering on Amazon Pay UPI, the user can transact only up to Rs 5000 in the first 24 hours. At the same time, on the basis of the bank, the number of transactions has been fixed at 20 every day.

Paytm also fixed the limit

Paytm UPI has fixed a limit of up to Rs 1 lakh for the users. Along with this, Paytm has also transferred the limit per hour. Paytm has told that now you can do only Rs 20,000 transactions every hour. Apart from this, 5 transactions can be done per hour and only 20 transactions can be done in a day.

What is the limit of PhonePe?

PhonePe has set a daily UPI transaction limit of Rs 1,00,000. In addition, a person can do a maximum of 10 or 20 transactions per day through PhonePe UPI, depending on the bank’s guidelines.

Only 10 transactions can be done with Google Pay

Google Pay or GPay has set a total limit of 10 transactions across all UPI apps and bank accounts. Users will be able to do only 10 transactions in a day. With this, you will be able to do transactions up to one lakh rupees per day.

There is no fixed hourly limit in these apps.

Let us tell you that no hourly limit has been fixed on Google Pay and Phone Pay. However, if any person sends you money request of more than Rs 2000 through this app, then the app will halt it.

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Payment will be easy for e-commerce and investment
RBI has announced to ‘block’ payment in UPI and provide service of single block and multiple debits for different purposes. You can schedule payments by fixing funds in bank accounts to deduct money as and when required. According to RBI, payment for e-commerce and other investments will be easier with this system.

You can pay for hotel booking etc. The
RBI governor said that by increasing the limit of UPI, it has been decided to ‘block’ the payment in the account of the customers to pay for different services. You can use this service for hotel booking etc. Earlier, while announcing the Monetary Review Policy (MPC) from the RBI, an increase of 35 basis points in the repo rate was announced.

With the increase in the repo rate for the fifth consecutive time, it has reached 6.25 percent. This is the fifth time since May when the repo rate is seeing a boom. Along with this, RBI has expressed the hope that the inflation rate will come down in the coming times.

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The total number of UPI transactions in October 2022 crossed the figure of 730 crore with an increase of 7.7 percent, which was valued at Rs 12.11 lakh crore. Let us tell that in September 2022, there were a total of 678 crore UPI transactions, whose value was Rs 11.16 crore. Where on one hand the use of UPI is increasing in the country, on the other hand there is an increase in the cases of frauds due to it.

UPI PIN is never required to receive money

In most of the cases of fraud through UPI, it is seen that people fall for the fraudsters without thinking and enter their 4 or 6 digit UPI PIN to receive the reward amount in their account. Let’s put After entering the UPI PIN, when the money goes away instead of coming into their account, then they come to know that they have become a victim of cyber fraud.

Users transacting through UPI should always keep in mind that we do not need to enter UPI PIN to receive money anytime. UPI PIN is always entered for payment.

Never enter a UPI pin to receive money.#UPI #becybersafe #cybersecurityawareness #cyberfraud #cybersecurity #cybercrime #cybersafe #JagoGrahakJago #AapkiApniJagriti@PiyushGoyal @AshwiniKChoubey @SadhviNiranjan @rohitksingh @IndianStandards @PIB_India @mygovindia @upichalega pic.twitter.com/vEI1MDLO1H

— Consumer Affairs (@jagograhakjago) November 17, 2022

Ministry of Consumer Affairs warned

The Ministry of Consumer Affairs has warned people to beware of fraudsters and cyber scams through UPI. The Department of Consumer Affairs has also told in a tweet on its official Twitter account that never enter UPI PIN to receive money through UPI. If you do this then all your hard earned money deposited in your bank account can be wiped out in a jiffy and you will be left with no other option but to repent.

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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.

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