NPCI UPI Payments Rules Update | P2P Collect Requests | Will not be able to send request to ask for money from UPI: NPCI asked to close P2P collect request from 1-October, decision to stop fraud

In July 2025, UPI made total 19.4 billion transactions process, including 7 billion P2P transactions.

The National Payments Corporation of India i.e. NPCI has directed to completely discontinue the Peer-to-Pier (P2P) Collect request in UPI from 1 October 2025. This means that now a person will not be able to send a request to ask for money from another person through UPI.

Why is NPCI P2P collecting request, what is P2P Collect request? Understand the full news in question and answer …

Question: What is P2P Collect request?

Answer: P2P Collect request or ‘Bridge Transaction’ is a facility in which UPI user sends requests to ask for money from another user. On receiving the request, the person paying the money approves the payment through his UPI PIN.

Question: Why has NPCI taken this step?

Answer: After misusing this feature, fraudsters were cheating UPI users. He used to send people to accidentally transfer money by sending unknown requests. The NPCI has taken this decision to prevent rising cyber fraud.

Question: Will this stop apply to everyone?

Answer: No, this restriction is only on P2P collect request, ie among individual users. Merchants (such as Flipkart, Amazon, Swigy, or IRCTC) will still be able to use the collect request for valid business, provided the user will approve the payment.

UPI transaction took place in last one year

Source-NPCI

Question: What is the deadline for implementing this change?

Answer: NPCI has directed all banks and UPI apps to prevent P2P collecting transactions from 1 October 2025 from starting, root or processing.

Question: Will there be any change on other features of UPI?

Answer: In this instruction right now, only P2P collect request is concerned. Push transactions of UPI (eg QR Code Scan or UPI ID) and other features will continue to work normally.

Question: What were the limitations of P2P Collect request?

Answer: Currently, this feature has a limit of Rs 2,000 per transaction and a maximum of 50 successful credit transactions can be done in a day.

Question: Have you been fraudulently associated with this feature before?

Answer: Yes, in the early days of UPI, fraud cases were common through collecting request. These cases decreased after the limit of Rs 2,000 was implemented, but due to the increase in cybercrime, NPCI has now decided to close it completely.

Question: How will this change affect the common people?

Answer: Earlier people used this feature to ask for small money from friends or to distribute group outing expenses. Now this facility will not be there, but new options like split payment in UPI are available, which can meet this deficiency.

Question: Will small shopkeepers also have an impact?

Answer: Small shopkeepers who used to send collection requests through individual accounts can now use merchant accounts. There are different rules for merchant transactions.

Question: What is the popularity of UPI?

Answer: UPI is India’s most popular digital payment system. It processes about 20 billion transactions every month, whose value is about 25 lakh crore rupees. There are about 40 crore unique UPI users in the country.

Question: What is the status of payment fraud in recent times?

Answer: According to data from Reserve Bank of India, FY25 reported 29 thousand fraud cases related to payment cards and internet banking, which caused a loss of Rs 1,457 crore. This is double the last year, when there was a loss of Rs 520 crore in 13,516 cases.

Question: What was the UPI transaction figure in July 2025?

Answer: In July 2025, UPI made total 19.4 billion transactions process, including 7 billion P2P transactions. This is higher than the previous year, in July 2024, there were 5 billion P2Ps in Total 14 billion transactions.