UPI Rules Change : The use of digital payments in India is growing rapidly, and keeping this in mind, the National Payments Corporation of India (NPCI) has announced a major change in the UPI (Unified Payments Interface) system. This new rule will come into effect on December 31, 2025. The main goal of this change is to make digital payments more convenient, secure, and transparent.
All Transactions Will Be Visible in One App
Under the new system, users will now be able to view all their UPI transactions and auto payments in a single app, regardless of which app was originally used for the transaction.
For example – if you have made some payments using Google Pay, some through PhonePe, and others via Paytm, you will now be able to see all those transactions in just one app. This will make financial planning and expense tracking much easier.
Auto Payments Will Transfer Automatically
If a user wishes to switch from one app to another (for instance, from Google Pay to PhonePe), they will no longer need to reset their auto payments manually. All auto debit instructions will automatically transfer to the new app.
Previously, users had to reconfigure these settings on every app separately, which was both time-consuming and inconvenient.
User Consent Will Be the Top Priority
NPCI has made it clear that this entire process will be based on user consent. No app will be allowed to lure or force users to port their transactions through cashbacks, offers, or notifications.
This means that users themselves will decide which app they want to use to view their transactions.
New Security Features
To ensure the safety of user information, NPCI has added advanced security features. Every UPI or banking app will now have a new section called “Message Bank” or “UPI OTP”, where users can see all their transactions and auto payments in one place.
Additionally, facial recognition and biometric verification features will be introduced. For transactions up to ₹5,000, users will be able to authenticate payments using fingerprint or facial authentication.
A New Era for Digital Payments
These changes are expected to make the UPI system more transparent, faster, and more secure. As a result, the adoption of digital payments will grow even further, giving users greater control and visibility over their financial transactions.
