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The way you use <\/span>UPI (Unified Payments Interface)<\/strong><\/a> is about to change. Starting <\/span>October 1, 2025<\/strong>, the <\/span>National Payments Corporation of India (NPCI)<\/strong><\/a> will officially retire the <\/span>P2P (peer-to-peer) money request feature<\/strong>, citing rising incidents of <\/span>cyber scams and fraudulent transactions<\/strong>. While the move might slightly inconvenience some users, the broader goal is to make India\u2019s most popular digital payment system more <\/span>secure and fraud-resistant<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n The <\/span>money request tool<\/strong> was designed to simplify payments. Instead of verbally reminding someone about pending dues, you could raise a <\/span>payment request<\/strong> through your UPI app. For instance, splitting a restaurant bill or asking a friend to repay a small loan could be handled with just a tap. The recipient then had the option to <\/span>approve or reject<\/strong> the request.<\/span><\/p>\n \u00a0<\/p>\n While it seemed convenient, the same simplicity made it a <\/span>prime target for fraudsters<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n According to NPCI, fraudsters exploited the feature by sending <\/span>fake UPI collect requests<\/strong>, tricking users into authorising payments they never intended to make. Many victims mistook these requests for <\/span>genuine payment approvals<\/strong>, leading to direct account debits.<\/span><\/p>\n \u00a0<\/p>\n In its new directive, NPCI clearly stated that <\/span>from October 2, 2025, no P2P collect transaction should be initiated, routed, or processed<\/strong>. All UPI apps, banks, and payment providers have been instructed to <\/span>disable the feature entirely<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n This means the feature will no longer exist in apps like <\/span>Google Pay<\/a>, PhonePe<\/a>, Paytm<\/a>, and others<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n It\u2019s important to note that <\/span>UPI itself isn\u2019t going away<\/strong>. Most core features remain unchanged, including:<\/span><\/p>\n \u00a0<\/p>\n Instant transfers<\/strong> via UPI ID, mobile number, or linked bank account.<\/span><\/p>\n QR code scanning<\/strong> for quick payments at shops or to friends.<\/span><\/p>\n Merchant requests<\/strong> (e.g., from delivery apps or online services), which will still be valid and come with <\/span>higher transaction limits.<\/span><\/p>\n \u00a0<\/p>\n The <\/span>removal only applies to P2P collect requests<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n By removing this feature, NPCI aims to strengthen <\/span>consumer trust<\/strong> and reduce vulnerabilities in India\u2019s digital payments ecosystem. Fraudsters have long targeted UPI users through phishing, fake OTPs, and impersonation of bank officials. The <\/span>collect request tool<\/strong> was simply another <\/span>loophole in their fraud toolkit<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n This move prioritises <\/span>security over convenience<\/strong>, ensuring fewer ways for scammers to trick unsuspecting users.<\/span><\/p>\n \u00a0<\/p>\n For genuine users, the change means losing a <\/span>handy shortcut<\/strong>. Instead of raising a request inside your UPI app, you\u2019ll now need to:<\/span><\/p>\n \u00a0<\/p>\n Share your <\/span>UPI ID<\/strong> directly.<\/span><\/p>\n Generate and send a <\/span>QR code<\/strong>.<\/span><\/p>\n Simply remind friends or family through a <\/span>WhatsApp<\/a> or SMS message<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n While this may feel slightly inconvenient, the <\/span>benefits outweigh the drawbacks<\/strong>, as it significantly reduces fraud risks.<\/span><\/p>\n \u00a0<\/p>\n UPI has become the <\/span>backbone of India\u2019s digital payments<\/strong>, handling <\/span>billions of transactions every month<\/strong>. Its <\/span>speed, simplicity, and zero cost<\/strong> have made it a global benchmark for payment systems. However, its ease of use also made it <\/span>attractive to cybercriminals<\/strong>.<\/span><\/p>\n \u00a0<\/p>\n With this new step, NPCI<\/a> is ensuring UPI continues to evolve as a <\/span>secure, reliable, and fraud-proof platform<\/strong>, keeping user safety at its core.<\/span><\/p>\n \u00a0<\/p>\n Latest Technology News | Updates<\/a> | Latest Electric Vehicle News | Updates<\/a> | Electronics News<\/a> | Mobile News | Updates<\/a> | Software Updates<\/a><\/p>\n \n Facebook<\/a> | Twitter<\/a> | WhatsApp Channel<\/a> | Instagram<\/a> | Telegram<\/a> | Threads<\/a> | LinkedIn<\/a> | YouTube<\/a><\/p>\n \u00a0<\/p>\n Stay informed, Stay Connected!<\/p>\n The post UPI Major Change: NPCI to End \u2018Money Request\u2019 Feature from Oct 1, 2025; What Users Must Know<\/a> appeared first on Before You Take<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" \u00a0 The way you use UPI (Unified Payments Interface) is about to change. Starting October 1, 2025, the National Payments Corporation of India (NPCI) will officially retire the P2P (peer-to-peer) money request feature, citing rising incidents of cyber scams and fraudulent transactions. While Continue reading UPI Major Change: NPCI to End \u2018Money Request\u2019 Feature from Oct 1, 2025; What Users Must Know<\/span>What Was the UPI Money Request Feature?<\/h3>\n
Why NPCI Decided to Remove It<\/h3>\n
What Will Still Work on UPI?<\/h2>\n
Safety Over Convenience<\/h2>\n
What This Means for Everyday Users<\/h2>\n
The Bigger Picture: UPI\u2019s Future<\/h2>\n
Follow Before You Take<\/a> on:\u00a0<\/span><\/h3>\n