UPI Transaction Update: Check What Is Changing From Today 16 June 2025 For PhonePe, Google Pay, Paytm Users

New Delhi: UPI or Unified Payments Interface is a real-time charge machine that allows rapid cash transfers between financial institution accounts by the use of a cell instrument. UPI gives immediate and round the clock cash transfers, making it a sooner mode of transaction. It lets in transactions in a question of seconds. Starting June 16, the method will transform considerably sooner. UPI has additionally finalised a number of important adjustments which can be carried out after July, together with steadiness checking and auto-payment mandate.

Improved buyer enjoy

The National Payments Corporation of India (NPCI), which oversees UPI, mentioned in a round dated April 26, 2025, that they’re operating to give a boost to efficiency by way of reducing the reaction time of UPI transactions. According to the professional liberate, the adjustments will receive advantages remitter banks, beneficiary banks and Payment Service Providers like PhonePe, Google Pay and Paytm.

“[The] Aforementioned revisions are intended to improve the customer experience. The members are required to ensure that they make the necessary changes in their system so that responses are handled within the revised time. If the members have any dependency/configuration changes at partner /merchant’s end, then the same also has to be taken care of accordingly,” NPCI stated within the round.

Other important adjustments

A round dated May 21, 2025, stated that the UPI machine is ready to put in force different essential adjustments from August. “PSP banks and/or acquiring banks shall ensure all the API requests (in terms of velocity and TPS — transactions per second limitations) sent to UPI are monitored and moderated in terms of appropriate usage (customer-initiated and PSP system-initiated),” the round stated.

The set of tips incorporated a number of important adjustments, which can be:

Balance exams capped at 50 occasions

According to the tips, UPI apps must restrict steadiness enquiry requests to scale back the burden in top hours. The NPCI has set a day by day cap of 50 apps consistent with buyer in 24 hours. 

Account checklist get right of entry to restricted to 25 occasions

According to the tips, customers will have the ability to take a look at financial institution accounts connected to their cell quantity most effective 25 occasions an afternoon consistent with app.

Autopay mandate execution 

The NPCI has directed Initiator Payment Service Providers (PSPs) to begin UPI autopay executions at a moderated transaction consistent with 2nd and right through non-peak hours. The NPCI has allowed a most of 1 try and 3 retries consistent with autopay mandate.

“Members are requested to take note of this compliance requirement and communicate it to relevant stakeholders and their respective partners for implementation by 31st July 2025,” the round added.