The countrywide bills company of india (NPCI) is ready to put into effect a hard and fast of changes to the Unified bills Interface (UPI) from august 1, 2025. The modifications, which include balance check and transaction popularity, are aimed toward making the interface solid and efficient.

In a circular dated april 26, 2025, NPCI stated that they are running to reduce the reaction time of UPI transactions to enhance the overall performance. It added that the adjustments will benefit remitter banks, beneficiary banks and price carrier vendors (PSPs), inclusive of PhonePe, google pay and Paytm.

later on may additionally 21, 2025, NPCIcited: "PSP banks and/or acquiring banks shall ensure all the API requests (in terms of velocity and TPS - transactions per 2nd boundaries) despatched to UPI are monitored and moderated in phrases of suitable usage (patron-initiated and PSP system-initiated)."

How India's UPI Is Revolutionising global virtual bills, defined definitely

day by day stability test restriction: The users can check their account balance only 50 instances a day per UPI app. in the event that they use multiple apps, the limit applies to every app one after the other.

Transaction popularity check limit: they are able to take a look at the status of a failed transaction handiest three times a day, with a minimum hole of 90 seconds among every test.

AutoPay Timings: AutoPay transactions could be processed in particular time slots: before 10 AM, between 1 PM and five PM and After nine:30 PM.

related bank Account view limit: The customers can view their related financial institution accounts most effective 25 times a day.

charge Reversal Cap: they could increase a maximum of 10 fee reversal requests in 30 days, with a cap of five consistent with sender.

Beneficiary call display: The recipient's registered bank name will be seen earlier than confirming charge, lowering mistakes and fraud.

Stricter regulations for Banks and UPI Apps: NPCI will screen API utilization, and non-compliant banks and apps may additionally face penalties or confined access.

"contributors are requested to pay attention to this compliance requirement and talk it to applicable stakeholders and their respective partners for implementation with the aid of thirty first July 2025," the round delivered.

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IMF praises India's UPI

lately, the global monetary Fund (IMF) praised india, saying that the country makes faster bills than another u . s . with the quick growth of UPI. the usage of other units, consisting of debit and credit cards, is at the decline.

"India now makes faster payments than any other united states. on the same time, proxies for coins utilization have fallen," the note stated.

"due to the fact that its launch in 2016, UPI has grown quick, at the same time as a few proxies for coins utilization have begun to decline. UPI now approaches greater than 18 billion transactions according to month and dominates other electronic retail payments in india," the fintech be aware stated.

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