UPI\u2019s collect request<\/b> feature lets merchants or users request money instead of sending it. For example, when you receive a \u201cPay \u20b9500 to Merchant X\u201d notification on your phone \u2014 that\u2019s a collect request. It\u2019s widely used by small businesses, gig platforms, and utility apps.<\/p>\n
However, as upi collect request system<\/a> notes, this feature also became a gateway for fraudulent payment requests<\/b>. Scammers exploited it to send fake \u201crefund\u201d or \u201cKYC update\u201d requests, tricking users into approving unintended payments.<\/p>\n To strengthen trust and usability, the National Payments Corporation of India (NPCI)<\/b> introduced new security rules for collect requests in 2025. These updates ensure that users have clearer visibility, stronger verification, and fewer unwanted payment prompts.<\/p>\n <\/p>\n Insight:<\/b> A UPI collect request should feel like an invoice \u2014 not an alert that makes you panic.<\/p>\n <\/i><\/p>\n The new NPCI rules under npci upi security guidelines<\/a> focus on three key areas: visibility, verification, and validity. These are designed to curb scams and bring transparency between users and merchants.<\/p>\n Here\u2019s what\u2019s new:<\/b><\/p>\n These rules apply to all UPI apps and Payment Service Providers (PSPs). Banks must update their app interfaces by December 2025 to remain compliant with NPCI\u2019s directive.<\/p>\n <\/p>\n Tip:<\/b> If a collect request doesn\u2019t mention the payment purpose, decline it immediately.<\/p>\n <\/i><\/p>\n These rule changes are meant to balance both ends of the UPI ecosystem \u2014 protecting users from fraud while helping legitimate merchants improve conversion rates. According to user protection framework<\/a>, NPCI\u2019s internal tests show a 27% drop in fraudulent collect requests<\/b> within three months of the pilot rollout.<\/p>\n Here\u2019s how users benefit:<\/b><\/p>\n For merchants, the changes mean fewer payment failures and more user trust. With verified merchant tags and faster approvals, businesses can expect smoother checkout experiences.<\/p>\n <\/p>\n Insight:<\/b> UPI\u2019s security now works both ways \u2014 protecting users from fraud and merchants from failed payments.<\/p>\n <\/i><\/p>\nWhat\u2019s Changing in the 2025 NPCI Update<\/b><\/h2>\n
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How It Improves User Safety and Merchant Trust<\/b><\/h2>\n
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What You Should Do After the Rule Change<\/b><\/h2>\n