Members of the UPI ecosystem must abide by a new set of rules established by NPCI, which include restricting balance inquiry queries and controlling the use of APIs such as Autopay Mandate Execution and Validate Address.
To enhance the functionality of UPI transactions, the National Payments Corporation of India (NPCI) has made a number of modifications to the Unified Payment Interface (UPI) ecosystem.
Members of the UPI ecosystem must abide by a new set of rules established by NPCI, which include restricting balance inquiry queries and controlling the use of APIs such as Autopay Mandate Execution and Validate Address. The specifics of the significant changes that UPI users will encounter starting on August 1 are covered in this article.
New Balance Inquiry Limits for UPI Users
Through a particular bank in the UPI app, customers can examine the list of bank accounts connected to their mobile number thanks to the List Account API. The usage is restricted to 25 requests per customer per app per day (on a rolling 24-hour basis) in accordance with NPCI norms.
Only when the user has chosen their bank in the UPI app should these requests be made. Retries must only be made with the customer’s permission if the account list does not load in order to prevent needless system load. One first attempt and a maximum of three retries per mandate (designated by each sequence number) are the limits specified by NPCI.
Restrictions on Autopay and Retry Attempts
This implies that a single mandate may be carried out up to four times. All autopay executions should be planned during off-peak times exclusively in order to further alleviate congestion. As NPCI implements new API guidelines to avoid downtime, certain UPI transactions will be subject to limitations starting on August 1.
Peak hours, which are recorded between 10:00 and 13:00 and between 17:00 and 21:30, are the times of day when UPI financial transactions achieve their peak transaction volume per second.
What NPCI Expects from PSPs?
The NPCI has directed Payment Service Providers (PSPs) to implement the relevant changes in their system by July 31, 2025. Failure to comply may lead to actions such as restrictions on UPI API access, penalties, suspension of new customer onboarding, or other appropriate measures.
The NPCI press release on May 21, 2025, stated that members are requested to take note of this compliance requirement and communicate it to relevant stakeholders and their respective partners for implementation by 31 ‘July 2025.
In the event of non-compliance with the above guidelines, NPCI may take necessary action, including UPI API restrictions, penalties, suspension of new customer onboarding, or any other measures deemed appropriate.
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