UPI New Rule: NPCI says that the new changes will improve the stability and security of the UPI system. This step has been taken to manage the increasing load on the UPI network and prevent system overload during peak hours
UPI New Rule: National Payments Corporation of India (NPCI) is going to implement major changes in the UPI system from August 1, 2025. These changes will come in the form of new application programming interface (API) usage rules for all banks and payment apps. The aim of the change in the rules is to make the UPI system more secure and fast. However, due to these changes, users may also have to face some restrictions. Let us tell you what are the new changes.
1. Balance check: Now limited to 50 times per app
Users will now be able to check their account balance only 50 times per day on each UPI app. If a person uses two apps, he will be allowed to check balance 50 times on each app. That is, a total of 100 balance checks will be possible. NPCI has also directed that banks will have to send updated balance after every transaction.
2. Payment status information
Under the new guidelines, payment service providers (PSPs) will have to check the status of a transaction only after a certain time delay. PSPs will now have to make the first API call to check the status of a transaction at least 90 seconds after the transaction is initiated. Apart from this, the status can be checked only a maximum of 3 times in a period of two hours for the same transaction. Banks will have to consider the transaction as failed on receiving some specific error codes, 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 linked to their mobile number only 25 times per day per app. This request will work only when the user selects his bank and gives approval. After any failed attempt, the user’s explicit consent will be required to try again.
4. Banks and apps will have to follow the rules
NPCI has directed all banks and payment service providers (such as Paytm, PhonePe, etc.) to monitor API usage. Violators may face fines, usage restrictions or even a ban on adding new users. All PSPs will also have to submit a system audit undertaking by August 31, 2025. In addition, acquiring banks will have to get an annual system audit done by auditors empanelled by CERT-In, the first report of which will have to be submitted by August 31, 2025.
The goal is to make it stable and secure
NPCI says that the new changes will improve the stability and security of the system. This step has been taken to manage the increasing load on the UPI network and prevent system overload during peak hours, thereby improving the digital payment experience for users.
However, these changes may cause some inconvenience to users who frequently check balance or use autopay services.
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