Upcoming Changes in UPI Rules Commencing from August 1 Unveiled: Here's a Breakdown of What's Altering
Starting August 1, 2025, the National Payments Corporation of India (NPCI) introduces significant changes to UPI apps like Google Pay, PhonePe, and Paytm, aiming to improve the user experience by making transactions faster, more secure, and more reliable.
The key changes include:
- Balance Check Limits: Users can check their bank balance up to 50 times per day per UPI app. Exceeding this limit will result in a 24-hour block on further balance checks to prevent system overload.
- Transaction Status Check Restrictions: After initiating a transaction, users (or apps) can check the pending transaction status only three times, with a minimum gap of 45 to 90 seconds between these checks.
- Limit on Account List Retrievals: Users can view or fetch the list of linked bank accounts only 25 times per user per app per day.
- Inclusion of Balance Information in Transaction Confirmations: Issuer banks are required to include the available account balance in the confirmation message after each successful UPI transaction.
- API Request Monitoring and Caps: Banks and Payment Service Providers (PSPs) must monitor and moderate their API usage to avoid overload and misuse by bots or aggressive automated apps.
These changes aim to improve transaction speed and reliability by reducing system load and spikes that previously caused delays or failures. However, users will face restrictions on the frequency and speed of balance and status checks. The enhanced security measures limit automated misuse or bot-driven queries, thereby reducing fraud risk. The experience for autopay and credit line transactions will be smoother as throttling and delay mechanisms optimize backend processes.
The NPCI's changes will affect users by limiting the number of balance enquiries, transaction status checks, and account retrievals to boost system stability and transaction success rates. This will lead to a more reliable, secure, and scalable UPI experience for users of Google Pay, PhonePe, Paytm, and other UPI apps starting August 1, 2025.
- The technological enhancements in UPI apps like Google Pay, PhonePe, and Paytm, starting August 1, 2025, will involve finance-related updates, such as including the available account balance in transaction confirmations to improve transparency.
- To ensure a more secure and scalable user experience, technology will play a crucial role in implementing measures like API request monitoring and caps to moderate API usage and prevent system overload by bots or aggressive automated apps, affecting finance-related activities in UPI transactions.
