NPCI Updates UPI Guidelines, Introduces Fresh Transaction Limits.

Banking & Finance

In April 2025, the National Payments Corporation of India (NPCI), headquartered in Mumbai, Maharashtra, introduced key updates to the Unified Payments Interface (UPI) framework. These changes, which came into effect on 4th April 2025, are aimed at boosting user security and minimizing fraudulent activities across digital transactions.


      - One of the most significant changes is the discontinuation of international QR code payments using the "QR Share & Pay" method. This move affects users attempting to make payments by scanning QR codes shared through messaging apps or social media platforms while abroad.

      - Non-Resident Indians (NRIs) and other Indian users overseas can no longer scan shared QR codes via apps like WhatsApp to complete transactions. However, in-person scanning of QR codes at physical merchant locations abroad remains permitted, ensuring legitimate international purchases are still supported.

      - NPCI has also capped domestic transactions involving QR Share & Pay payments to non-verified offline merchants at Rs. 2,000 per transaction. This measure is intended to prevent fraud and encourage merchants to undergo proper verification and registration.

Main Point :-   (i) By restricting the transaction limit with unverified merchants, NPCI hopes to foster trust and transparency in small-scale peer-to-merchant (P2M) digital transactions across India, particularly in informal retail sectors.

      (ii) Another critical revision includes the prohibition of "collect requests" for reloading wallets. Merchants can no longer send UPI requests asking users to load money into prepaid wallets or gift cards, which had been commonly exploited in scams.

(iii) Instead, users will now be required to manually initiate wallet recharges using push-based transactions. This change gives consumers greater control over their funds and helps reduce unauthorized deductions due to fraudulent requests.
About National Payments Corporation of India (NPCI)

MD & CEO : Dilip Asbe
Headquarter : Mumbai
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