If you’re someone who uses UPI apps like Google Pay, PhonePe or Paytm several times a day, you might notice a few changes starting August 1. The National Payments Corporation of India (NPCI) will be implementing a set of new backend rules to improve how the system works. These updates won’t completely change how you make payments, but they’re meant to make your experience smoother, faster and more secure.
Here’s a simple breakdown of what’s changing.
To ensure smoother performance and avoid disruptions to real-time payments, all autopay transactions will be executed during non-peak hours.
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Many users often check their bank balance using UPI apps. To prevent too many repeated checks that can slow down the system, NPCI will set a limit on how often you can check your balance in a day. The exact number hasn’t been shared yet, but the aim is to reduce unnecessary pressure on the servers.
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It’s common for UPI payments to get stuck or show a ‘processing’ or ‘pending’ status for several minutes. From August 1, UPI apps must update the status of such payments within seconds. Whether your payment is successful or has failed, you’ll get to know quickly.
UPI apps will follow stricter verification methods to ensure that the account belongs to you. This extra layer of security will help reduce fraud and accidental linking of wrong accounts.
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