UPI Rule: If you are an UPI user, then this article is made for you. The National Payments Corporation of India (NPCI) is preparing to make a major change for UPI users starting December 31st. Under this new change, users will now be able to view and manage all their transactions (Auto Payments) from any UPI app, even if they were made on another app. Users will also now have the option to port mandates from one UPI app to another.
NPCI has also clarified that no pressure or incentives, such as cashbacks or notifications, will be offered to users in this process. Additionally, new authentication methods have been added to UPI, including face and biometric authentication, which will further secure transactions. This step has been taken to make UPI more transparent, simple, and secure.
All UPI apps and payment service providers (PSPs) will be required to implement this new feature by December 31, 2025. Now, if you have transactions on Google Pay, PhonePe, Paytm, or any other app, you’ll be able to view and manage them within a single app. This will make financial planning and tracking auto payments easier.
Know what the new changes mean
Once the new rule comes into effect, users will be able to see which regular payments are being made using UPI on any app. For example, if there’s an active payment on Google Pay and another on PhonePe, users will be able to easily view both payments on any app of their choice. This will make it easier for them to plan their finances.
Additionally, you can now transfer your mandates from one app to another. This will make it easier for users to switch apps and use the payment app of their choice. NPCI has clarified that this feature will be completely under user control. Mandate porting will be done voluntarily, without any pressure or incentives, and will help make it more effective.