{"id":12718,"date":"2026-04-22T17:36:01","date_gmt":"2026-04-22T17:36:01","guid":{"rendered":"https:\/\/srv1603485.hstgr.cloud\/new-upi-risk-rules-for-collect-requests\/"},"modified":"2026-04-22T17:36:01","modified_gmt":"2026-04-22T17:36:01","slug":"new-upi-risk-rules-for-collect-requests","status":"publish","type":"post","link":"https:\/\/www.billcut.com\/blogs\/new-upi-risk-rules-for-collect-requests\/","title":{"rendered":"New UPI Risk Rules for Collect Requests"},"content":{"rendered":"<h2 id='what-are-upi-collect-requests-and-why-they-matter'><b>What Are UPI \u201cCollect Requests\u201d \u2014 and Why They Matter<\/b><\/h2>\n<p>The Unified Payments Interface (UPI) supports two main flows: a \u201cpush\u201d transaction (you send money) and a \u201ccollect request\u201d or \u201cpull\u201d transaction (someone requests money from you and you approve it). The collect request feature made it convenient to split bills or remind someone to pay back. <a href=\"https:\/\/www.business-standard.com\/finance\/personal-finance\/upi-collect-requests-to-end-from-october-here-s-how-it-changes-payments-125081500774_1.html\" target=\"_blank\" rel=\"noopener\">upi collect request basics<\/a><\/p>\n<p>However, over time, fraudsters abused this by sending fake collect requests disguised as refunds or legitimate payments. The user approves thinking they are receiving money \u2014 but ends up sending it instead. Because of this abuse, the regulator stepped in with stronger risk rules.<\/p>\n<p><i style=\"background-color:#f0f8ff;border-left:4px solid #007BFF;\n\npadding:14px;border-radius:6px;font-size:1.05rem;display:block;margin:12px 0;\"><\/p>\n<p><b>Insight:<\/b> When someone else initiates the payment request, the control shifts away from you \u2014 that\u2019s where the fraud risk lies.<\/p>\n<p><\/i><\/p>\n<h2 id='what-the-new-risk-rules-change-from-1-october-2025'><b>What the New Risk Rules Change \u2014 From 1 October 2025<\/b><\/h2>\n<p>The National Payments Corporation of India (NPCI) issued a circular on 29 July 2025 directing all banks, Payment Service Providers (PSPs) and UPI apps to stop initiation, routing or processing of person-to-person (P2P) collect transactions from 1 October 2025. <a href=\"https:\/\/www.kpmg.com\/in\/en\/insights\/2025\/07\/unified-payments-interface-upi-information-security-compliance-framework-2025.html\" target=\"_blank\" rel=\"noopener\">upi risk framework 2025<\/a> <\/p>\n<p>Here are the key changes:<\/p>\n<ul>\n<li>The collect request feature will no longer be available for user-to-user (\u201cfriend\/family\u201d) flows.<\/li>\n<li>Push transactions (you initiate payment) remain fully allowed.<\/li>\n<li>Merchant collect requests (business cases) will continue under different rules \u2014 the change is only for P2P. <\/li>\n<li>Previously there were caps (\u20b92,000 per transaction, max 50 successful collect requests per day) for P2P collect. These are now removed via this full ban. <\/li>\n<\/ul>\n<p>The new rule strengthens user control: instead of responding to someone requesting money, you now decide when to send money. This reduces the chances of accidental approvals or falling for a fake request.<\/p>\n<p><i style=\"background-color:#f0f8ff;border-left:4px solid #007BFF;\n\npadding:14px;border-radius:6px;font-size:1.05rem;display:block;margin:12px 0;\"><\/p>\n<p><b>Tip:<\/b> From October, if a UPI app shows a \u201cRequest Money\u201d option to a friend\/peer, that mode will phase out \u2014 you\u2019ll need to use \u201cSend Money\u201d instead.<\/p>\n<p><\/i><\/p>\n<h2 id='impact-on-users-what-you-can-and-cant-do'><b>Impact on Users: What You Can and Can\u2019t Do<\/b><\/h2>\n<p>Here\u2019s how your day-to-day UPI use will change:<\/p>\n<ul>\n<li><b>What you CAN still do:<\/b> Send money by scanning a QR code, entering UPI ID, or using your bank\u2019s app \u2014 the normal push modes remain.<\/li>\n<li><b>What you CAN\u2019T do (for peer to peer):<\/b> You will no longer be able to send a collect request to a friend or peer asking them to pay; your friend must initiate the push instead. <\/li>\n<li><b>For merchants\/businesses:<\/b> Payment requests (collect) will continue if they are genuine merchant flows \u2014 rules differ here. <\/li>\n<\/ul>\n<p>So if you were used to sending \u201cHey, face-scan this collect request to settle the lunch bill\u201d \u2014 you\u2019ll need to switch to sending a request via message and ask your friend to initiate the payment from their side now.<\/p>\n<p>This may feel like a step back in convenience \u2014 but the regulator sees it as a guardrail to reduce fraud in the UPI ecosystem.<\/p>\n<h2 id='how-to-stay-safe-amid-the-change'><b>How to Stay Safe Amid the Change<\/b><\/h2>\n<p>Even with the rule change, staying alert is key. <a href=\"https:\/\/analyticsinsight.net\/ampstories\/fintech\/top-security-tips-for-using-upi-in-2025\/\" target=\"_blank\" rel=\"noopener\">upi user safety checklist<\/a><\/p>\n<p>Here are some proactive steps:<\/p>\n<ul>\n<li>Always verify the recipient details (name, UPI ID) before sending money \u2014 even if they initiated it.<\/li>\n<li>Never approve a payment request you didn\u2019t initiate \u2014 push payments give you full control.<\/li>\n<li>Use secure methods: your friend sending YOU their QR code to scan is safer than you clicking on a request link or approving unknown request.<\/li>\n<li>Be cautious about messages or chats prompting you to accept a collect request, especially if it claims \u201cyou will receive money\u201d but then you end up paying.<\/li>\n<li>Keep your UPI app updated \u2014 banks and apps will enforce the new rule from October 1 and old flows may stop working unpredictably. <\/li>\n<\/ul>\n<p>With the ban on P2P collect requests, UPI becomes strictly payer-initiated for person to person flows. That means the money you send is always the payment you chose \u2014 rather than a request you approved. That one shift can save many users from scam traps.<\/p>\n<p><b>Final thought:<\/b> The regulator is favouring user control over convenience in this case \u2014 small change, but a big step toward safer UPI payments.<\/p>\n<h3>Frequently Asked Questions<\/h3>\n<h4>1. What is changing with UPI collect requests?<\/h4>\n<p>From 1 October 2025, P2P \u201ccollect request\u201d (pull) transactions will be discontinued on UPI. You will no longer be able to request money from friends via collect; all peer-to-peer payments must be initiated by the payer (push). <\/p>\n<h4>2. Will push payments still work as before?<\/h4>\n<p>Yes \u2014 push payments (you send money to someone by scanning QR or entering UPI ID) continue unaffected.<\/p>\n<h4>3. Does this ban affect merchant payment requests?<\/h4>\n<p>No. Merchant or business collect requests (for goods\/services) remain allowed under appropriate rules. The ban is only for person-to-person flows. <\/p>\n<h4>4. Why did NPCI impose this change?<\/h4>\n<p>Because collect requests for P2P were being misused by fraudsters who trick users into approving payments they didn\u2019t intend. The regulator sees removing that flow as a key fraud-prevention move. <\/p>\n<h4>5. What should I do if I still receive a collect request from a friend after Oct 1 2025 \u20b9<\/h4>\n<p>Your UPI app should no longer allow you to approve it \u2014 the request may fail or be blocked. Instead ask your friend to initiate a push payment. Always verify recipient details and never approve unknown requests.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The \u201ccollect request\u201d feature in UPI is being phased out for person-to-person payments in a major safety move. Here\u2019s what the risk rules mean for you.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1284],"tags":[1390],"class_list":["post-12718","post","type-post","status-publish","format-standard","hentry","category-digital-payments-regulation","tag-upi-collect-request-ban-india-2025"],"_links":{"self":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/12718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/comments?post=12718"}],"version-history":[{"count":0,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/12718\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/media?parent=12718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/categories?post=12718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/tags?post=12718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}