• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

UPI will work slightly differently from August 1: Here’s what’s changing


UPI might not be the same starting August 1. Here is everything you need to know.

Starting August 1, your daily UPI habits on apps like Google Pay and PhonePe may feel a little different. NPCI (National Payments Corporation of India) is rolling out a set of backend rule changes to streamline how UPI handles balance checks, autopay requests, payment failures, and linked account verifications. These aren't earth-shattering updates, but if you're someone who uses UPI multiple times a day (which, let’s face it, is most of us), you’ll want to know what’s new

New time slots for UPI autopay requests
If you’ve set up automatic payments like OTT subscriptions, rent agreements, or SIPs, those UPI Autopay requests will now be timed more precisely. From August 1, UPI apps will be required to send these requests between 12 AM and 7 AM. The idea is to minimize server congestion and delays during peak hours. You’ll still receive notifications, but expect them early in the morning.

Balance checks now have a limit
One of the silent data-heavy tasks on UPI is balance checking, especially with biometric authentication like Face ID or fingerprint. To prevent overload, there will now be a limit on how many times you can check your balance in a day. NPCI hasn’t disclosed the exact cap yet, but it’s designed to stop abuse of the system, especially from bots or high-frequency checkers.

Faster status updates on failed transactions
We've all dealt with UPI payments stuck in limbo—money debited, but the other side hasn’t received it. NPCI is addressing this by tightening timelines. Starting next month, UPI apps will have to show the actual payment status (success/fail) within seconds, instead of letting it remain “Processing” or “Pending” for several minutes. That means less uncertainty and fewer screenshots sent to confused vendors.

Linked account verification will be more secure
UPI apps will now follow a stricter verification process when you try to link a new bank account. This may involve additional checks from the bank’s end to confirm the account belongs to you. It adds a layer of friction, yes, but it also reduces the risk of accidental or fraudulent linking.

These updates are subtle but helpful. They’re mostly aimed at making UPI smoother, safer, and less annoying during rush hours or payment hiccups. You don’t need to change how you use UPI, but from August 1, you’ll notice the system working a little smarter.
 
I read somewhere, The balance check limit will be 50 times in a day...I am wondering who is checking balance more than 50 times a day!!!?? Guess that number is there for a reason and may be there are bots out there
Or the ones who have 50 sb accounts and using single app for all those.
Lord Of The Rings GIF
 
I read somewhere, The balance check limit will be 50 times in a day...I am wondering who is checking balance more than 50 times a day!!!?? Guess that number is there for a reason and may be there are bots out there
Out of these changes, faster updates on the failed transactions is a major change... which many users had discussed here as it was a real issue for them ... like below:...

Thread 'OmniCard UPI Pending Issue' https://www.technofino.in/community/threads/omnicard-upi-pending-issue.17632/
 
Balance checks now have a limit
One of the silent data-heavy tasks on UPI is balance checking, especially with biometric authentication like Face ID or fingerprint. To prevent overload, there will now be a limit on how many times you can check your balance in a day. NPCI hasn’t disclosed the exact cap yet, but it’s designed to stop abuse of the system, especially from bots or high-frequency checkers.
It's untrue, it's already disclosed.

50 times/ app/ 24hrs

However, UPI apps can further reduce or stop request in peak hours to reduce load, if it's deemed fit.
 
Last edited:
Back
Top