Upi new rule: The National Payments Corporation of India (NPCI) is going to implement major changes in the UPI system from 1 August 2025. These changes will be revealed as new application programming interface (API) uses for all banks and payment apps. The purpose of changing rules is to make the UPI system more secure and fast. However, these changes may also lead to some restrictions to users. Let us tell you what new changes are.
1. Balance Check: Now limited to 50 times per app
Users will now be able to check their account balance only 50 times on each UPI app every day. If a person uses two apps, he will be allowed to check 50 balance on each app. That is, we will be able to check the balance 100 times. NPCI has also directed that banks will have to send updated balance after every transaction.
2. Information about the status of payment
Under the new guidelines, the Payment Service Providers (PSPS) will have to examine the status of the transaction only after a fixed time delay. PSPS will now have to call the first API call to check the transaction status at least 90 seconds after the transaction starts. Apart from this, the situation can be checked only 3 times in a period of two hours for the same transaction. On receiving some specific error code, banks will have to consider the transaction as a failure, so that there is no need to check the status again and again.
3. access to account list: limited to 25 times
Users will now be able to check which bank accounts are connected with their mobile number per app per app every day. This request will work only when the user selects his bank and will approve. After any failed effort, the user’s clear consent will be necessary to try again.
4. Banks and apps will have to follow the rules
NPCI has directed all banks and payment service providers (eg Paytm, PhonePe, etc.) to monitor the use of API. Those who violate the rules can also be banned from fines, use restrictions or adding new users. All PSPS will also have to submit a system audit undertaking by August 31, 2025. In addition, the acquired banks will have to conduct an annual system audit by the auditors listed by CERT-in, the first report of which will have to be submitted by 31 August 2025.
To make stable and secure aims
NPCI says new changes will improve the stability and safety of the system. This step has been taken to manage the growing load on the UPI network and to prevent system overload during peak hours, which will improve digital payment experience for users.
However, these changes may lead to some inconvenience to users who often check balance or use autope services.