New UPI regulations will come into effect from February 2026, bringing noticeable changes for users of Google Pay, PhonePe, Paytm, and other UPI apps.
The updates focus on making digital payments faster, safer, and more user-friendly, especially as UPI usage continues to grow across India.
UPI Transactions Will Become Faster
Under the new rules, UPI payments must be completed within 10 seconds.
Earlier, transactions could take up to 30 seconds, which often caused delays during busy hours.
With the reduced time limit, payments are expected to be quicker and more reliable.
This change improves how UPI apps communicate with banks through APIs, speeding up balance checks and payment confirmations.
Better Support for Rising Digital Payment Volume
UPI transactions are increasing every day, and handling high traffic smoothly has become essential.
The new rules strengthen real-time processing, helping apps avoid slowdowns during peak hours.
This means fewer failed or pending payments even when millions of users are transacting at the same time.
Stronger Security and More User Control
Security is a major focus of the updated UPI guidelines.
High-value transactions will require stronger verification.
Clear confirmation messages will appear before payments, reducing the risk of accidental transfers.
Users will also find it easier to manage or cancel auto-debit and subscription payments, giving them better control over recurring transactions.
Inactive UPI IDs May Be Temporarily Blocked
UPI IDs that have not been used for a long time may be temporarily restricted.
To use them again, users will need to complete a re-verification process.
This step is meant to reduce fraud linked to inactive or forgotten UPI accounts.
Faster Resolution of Failed Payments
If a payment gets stuck or fails, banks and UPI apps will now be required to resolve the issue much faster.
In many cases, refunds or confirmations may be completed within a few hours.
Users will also receive clearer updates about the status of their transactions.
Limits on UPI Collect Requests
To reduce spam and unwanted payment requests, limits may be placed on the number of collect requests a user can receive in a day.
Trusted contacts will be shown more clearly, making it easier to identify genuine payment requests.
What This Means for UPI Users
With faster transactions, improved security, and better control, the new UPI rules aim to make everyday digital payments smoother and more reliable.
For users, this means fewer delays, less confusion, and a safer payment experience starting February 2026.
