UPI Payments Rule Change for PhonePe, GPay, Paytm Users from October 1: If you rely on apps like PhonePe, Google Pay (GPay), or Paytm to handle your daily transactions, there’s an important update you need to know about. The National Payments Corporation of India (NPCI) has confirmed a significant change to UPI payment rules, set to kick in on October 1, 2025. This adjustment will affect how you send and receive money, especially for person-to-person (P2P) transactions. With millions of users across India depending on UPI for everything from grocery payments to splitting bills, this shift is worth understanding.
The Digital Payment Rule Change India big news is that NPCI is phasing out the P2P “collect request” feature, which lets someone ask you for money directly through UPI. Starting October 1, this option will no longer be available to prevent fraud and enhance security. Instead, you’ll need to use QR codes or select contacts manually to send money. This NPCI UPI Guidelines 2025 change comes as fraud cases, though reduced with a ₹2,000 limit, still pose a risk. With over 12 billion UPI transactions monthly in 2025, this update aims to protect users while keeping the system smooth.
UPI Payments Rule Change for PhonePe, GPay, Paytm Users – Highlights
| Aspect | Details |
| Rule Change Date | October 1, 2025 |
| Removed Feature | P2P Collect Request |
| New Payment Method | QR Code or Contact Selection |
| Merchant Impact | No change, collect requests allowed |
| Fraud Protection | Reduces scam risks |
| App Update | Required by September 30, 2025 |
| Helpline | 1800-120-1234 (NPCI) |
To prepare, update your apps by late September and start practicing QR scans or contact payments. If you’re unsure, NPCI’s helpline is there to help. This change keeps your money safer while keeping UPI’s convenience alive.
How Scams Happened with Collect Requests?
Fraudsters loved this feature. They’d pose as friends or claim emergencies, sending fake collect requests. Unsuspecting users would approve them, only to find their accounts drained. Even with the ₹2,000 cap, clever scammers hit multiple victims, causing losses worth crores. This move aims to cut that risk significantly.
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What’s Changing from October 1?
Starting October 1, 2025, the collect request button will disappear from P2P transactions on apps like PhonePe, GPay, and Paytm. You’ll need to scan a QR code or pick a contact to send money instead. This shift is expected to reduce fraud, with experts predicting a drop of up to 30% in related cases. It’s a small adjustment that could save you from trouble down the line.
What Stays the Same?
Don’t worry if you use UPI for online shopping! Merchant collect requests—think Flipkart, Amazon, or Swiggy—will keep working as usual. You can still approve payments for your online orders or train tickets by entering your PIN, so your daily purchases won’t be disrupted.
FAQs About UPI Payments Rule Change for PhonePe, GPay, Paytm Users
When does the UPI rule change start?
It begins on October 1, 2025.
What is the collect request feature?
It let someone request money from you via UPI, which you’d approve with your PIN—now being removed.
How will I pay friends after October 1?
Use a QR code or select their contact and send money manually.
Will online shopping be affected?
No, merchant requests for sites like Amazon or Swiggy will still work.
What if my app doesn’t update?
Download the latest version by September 30, or contact your app’s support.