UPI New Rules: Nowadays, almost everyone makes payments using their mobile phones. Whether it’s buying vegetables or refilling petrol, just pull out your mobile and the payment is made using UPI. But if you also use apps like Google Pay, Phone Pay, or Paytm, this is important news for you. The National Payments Corporation of India (NPCI) has changed some UPI rules effective October 1, 2025. This change will affect millions of users who conduct online transactions daily.
What are the new rules?
From now on, users will no longer be able to use the P2P Collect Request (Pull Transaction) feature. Previously, this feature allowed people to request money. For example, if someone wanted to receive money, they would send a collect request to another person, and if the other person accepted, the money would be transferred. But now this feature has been completely discontinued.
Why has this change been made?
5000 Rupee Note New Rule : Will RBI issue a new Rs 5000 note?
In the recent past, several fraud cases have been reported using this feature. Fraudsters used to send fraudulent requests to people and extract money. Many people accepted the requests without thinking, and money was deducted from their accounts. After such incidents increased, NPCI decided to discontinue this feature to provide a safer user experience.
How to send or receive money online now
Now, users will have to manually initiate a Push Transaction to receive money. This means that the person to whom the money is to be sent must initiate the transaction themselves. This can be done using a QR code, UPI ID, or bank account number. This method is considered more secure because it has a much lower chance of error or fraud.
What should UPI users do?
If you use UPI apps, update them immediately. Many older versions will no longer work under the new rules. Install the latest versions of Google Pay, Phone Pay, and Paytm on your mobile to avoid any payment issues. Also, do not accept any payment requests from unknown people.
What does NPCI have to say on this issue?
NPCI says this step has been taken to protect users. UPI has redefined digital payments in the country, and it was necessary to further strengthen security. Further changes may be made in the future to ensure complete security for every transaction.