UPI New Rule 2025: Big news has come for millions of users using UPI. The National Payments Corporation of India (NPCI) has changed the rules of UPI .
From October 1, 2025, UPI’s P2P ‘Collect Request’ feature, i.e., Pull Transaction, will be discontinued. This means that you will no longer be able to send a ‘Collect Request’ to ask for money on apps like PhonePe, Gpay, or PayTM. This step has been taken to prevent online fraud and strengthen user security.
What is the new UPI rule?
NPCI has directed all banks and payment apps to discontinue the P2P Collect Request system by October 1, 2025. This means that after this date, no user will be able to send or receive Collect Requests on UPI . Only direct transfers will be possible, making the payment process more secure.
Why was this decision taken?
The Collect Request feature was being misused by fraudsters. Users would often mistakenly or mistakenly approve collect requests, resulting in money being deducted from their accounts. NPCI has taken this step to ensure that money transfers are now processed solely through user initiative, reducing the potential for fraud.
What users need to do now
Users who were used to sending Collect Requests will now need to use the Push Transaction option directly. Payments via QR code, UPI ID, and bank account number will continue as before. NPCI also advises users to keep their UPI and banking apps updated and never approve requests from unknown individuals.
What will be affected and what will not
This change will only affect the Collect Request feature. Normal money sending and receiving will continue as usual. Banks and payment apps have been instructed to modify their systems to allow users to easily process transactions in accordance with the new rules. This step has been taken with user security in mind.
