This October signifies an important phase in the evolution of India’s financial landscape, more specifically, in India’s Digital Payments System, since the NPCI introduces new policies for the Unified Payments Interface. UPI P2P Payment Requests Discontinued is especially important for the millions that depend on instant digital payments. We discuss which aspects of the payments ecosystem focus on fraud prevention which routes are available for payments, and offer other suggestions for users, banks and fintech’s: all constituents of the payments ecosystem for a safe digital future.
What is UPI P2P Payment Requests Discontinued?
Each user of the UPI payments system should note that after October 1, 2025, the National Payments Corporation of India (NPCI) will stop providing the ‘collect request’ function for UPI peer-to-peer payments. UPI P2P Payment Requests Discontinued explicitly closes flows on P2P ‘pay me’ requests users cannot send UPI requests to friends and family.
P2P collect requests allowed users to urge other digitally linked P2P systems for the instant settling of payments. While there were conveniences for users, the NPCI also had to contend with the changes in the system that prompted fraud and other misuse of the system.
Reason Behind NPCI Discontinuing UPI P2P Collect Requests
The NPCI prioritizes security and UPI P2P Collect Requests discontinuation is based on that. In the past few years there has been an increase in scams that involve fake collect requests and while there are transaction cap and daily limits the scams continued to misuse the system. Scammers used the request feature to send fake pull requests and deceived victims into approve payments.
The daily transaction limits of ₹2,000 and the 50 requests per day did not end the fraud and the NPCI decided to stop them completely. With UPI P2P Payment Requests Discontinued, NPCI is trying to protect the payments environment in India and the trust of the customers.
The Discontinuation of UPI P2P Collect Requests Protects the Features Below:
- Fraudulent collect requests involve scammers pulling in funds with fake request scams.
- Accidental payments, especially under pressure in social situation, adds to the risk of strange requests.
- Greater user risk is created with rapid system adoption and lack of user-familiarity with the technology.
This Discontinuation by NPCI improves security on the system by making all P2P transactions pushed (voluntarily initiated) and eliminating the risk of accidental payments.
What Changes for Everyday Users
There are minor changes for everyday users with respect to UPI offering no P2P payment requests. Post-Oct 2025, users wouldn’t be able to send requests to others. They will need to complete a payment without a request. They will need to push payments. Users will be able to UPI payments by UPI ID, mobile number, and QR code. UPI apps will also allow users to split a bill and pay. This feature is particularly beneficial for groups dining out together or friends sharing the cost of an event, as it simplifies the payment process and fosters a sense of collaboration. Users will experience less fraud, more convenience, and a positive change in how they make payments for both personal and business purposes. With increased security measures in place, individuals can feel more confident in conducting transactions through these platforms.
However, they need to complete a payment for the system to process the split payment. This step ensures that all parties involved in the transaction are clear on their financial responsibilities, thereby streamlining the overall experience and reducing the chances of any misunderstandings.
Users will no longer be able to send requests for payment where they would say ‘send me money.’ They will need to share UPI ID and QR code, and ask contacts to complete payments by push methods.
Alternatives for Splitting Bills and Sending Money
Adopting new habits is very important for UPI P2P payment requests discontinued. This is how users will be able to complete their payments:.
- QR Code Payments: Create a QR code and send it for quick payment.
- UPI ID Payments: Send your UPI ID over a secure channel and complete a UPI payment.
- Split and Direct Payments: You can use the split bill feature in your banking app, or send direct payments via UPI.
- Direct Voice or Chat Payments: You can call a payee or send a message as a reminder to pay. .
These methods promote the use of intentional payments, where the sender completes the payment as intended.
Effects on Merchants and Business Payments
Merchant collect requests remain unaffected. Business transactions on Amazon, Flipkart, IRCTC, or Swiggy, for example, can still use the collect request feature as long as the user authorizes the payment with their UPI PIN. This means that customers can continue to make purchases seamlessly while ensuring that their financial information remains secure.
In this context, merchants and service platforms can still securely send collect requests, while they disable P2P requests. This shift highlights a focus on facilitating business transactions while maintaining the integrity of the payment system. By limiting peer-to-peer requests, platforms aim to mitigate potential fraud and enhance user confidence in the transaction process.
Best Practices for UPI Transactions
For maximum safety and convenience with the discontinuation of UPI P2P Payment Requests:
- Check UPI Details Twice: Recheck recipient details before authorizing any payment.
- Use Secure Channels: Share your UPI ID or QR code only in secure environments.
- Push, Don’t Pull: Pay directly rather than requesting payment from others.
- Monitor Transactions: Consistently review your statements within your accounts.
- Educate Family: Payment safety rules should be understood and followed by all family members.
This encourages loss and fraud avoidance and inconvenience in the digital age.
Key UPI Changes
Information in the table covers key changes to UPI for Indian users.
| Feature | Status Post-Oct 2025 | Who Is Affected | Security Impact |
|---|---|---|---|
| P2P Collect Requests | Discontinued | Individuals | Strongly Positive |
| Merchant Collect Requests | Continues | Businesses | Unchanged |
| UPI ID/QR Code Payments | Continues | All Users | Positive |
| Auto-Debit for Merchants | Continues | Subscribers | Unchanged |
| Push Payments | Mandatory for P2P | Individuals | Strongly Positive |
| Max Transaction for P2P Collect | No longer relevant | Individuals | Positive |
Frequently Asked Questions
ZestDhan’s Expert Take
ZestDhan.com promotes a safe digital experience accompanied by financial education. UPI P2P Payment Requests Discontinued will help secure the digital finance ecosystem in India. Users will experience less fraud, enjoy more convenience, and see a positive change in the way they make payments for both personal and business purposes.