UPI payment feature will be discontinued from October 1st.

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UPI Payment New Rule: NPCI has decided to discontinue UPI’s P2P collect request service from October 1, 2025, which will reduce fraud but will increase some difficulty in everyday transactions.

UPI Payment New Rule: Everyone knows how much easier UPI payments have made our lives. A single click can transact thousands of rupees in seconds. The stress of carrying cash is over, and asking friends and relatives for money is also easy.

But now there’s some big news. The National Payments Corporation of India (NPCI) has decided to discontinue UPI’s person-to-person (P2P) collect request service. This means that, starting October 1, 2025, you won’t be able to send direct money requests to your friends, relatives, or anyone else on PhonePe, GPay, or any other UPI app.

What is a collect request or pull transaction?

Suppose you need 1,000 rupees from your friend. Until now, you would enter their UPI ID on the app and send the request. They would accept, enter their PIN, and the money would be credited to your account. But now this feature is being discontinued for the general public. NPCI has clearly told banks and payment apps that this feature will be removed from October 1st. The goal is to make online payments more secure. In fact, some fraudsters were exploiting this feature to defraud people.

However, this feature will remain available for merchants. Meaning, if you book a ticket through IRCTC, shop on Flipkart or Amazon, or subscribe to Netflix, these merchants will be able to send you payment requests. However, you won’t be able to send a request to share a restaurant bill with your friend. NPCI has previously taken security measures, such as limiting the collection request limit to ₹2,000. Now, the decision has been made to completely discontinue this feature.

Why was this feature introduced in the first place?

Its purpose was to simplify transactions, such as reminding friends of money borrowed from them or speeding up online shopping payments. However, fraudsters began abusing it. People were duped by sending fake requests. That’s why NPCI took strict action.

This change may make everyday transactions a little more difficult. For example, if you split a dinner bill with friends, you’ll now have to ask them to pay in person instead of sending a request. But the good news is that this will reduce fraud. If you use UPI, be cautious. Always check who the payment is going to to avoid fraudulent requests. Overall, this step by NPCI is aimed at keeping your money safe.

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