New Delhi, June 16, 2025 – The National Payments Corporation of India (NPCI) has announced significant improvements to the Unified Payments Interface (UPI) system, aiming to enhance transaction speeds and user experience. Effective today, UPI transactions will witness a substantial reduction in response times, benefiting users and payment service providers alike.
⏱️ Reduced Response Times
In a move to streamline the payment process, NPCI has decreased the response time for various UPI transaction stages:
- Request and Response Transactions: The time has been reduced from 30 seconds to 10 seconds.
- Valid Address Transactions: The time has been cut from 15 seconds to 10 seconds.
These changes are expected to make UPI transactions faster and more efficient, enhancing the overall user experience.
📱 Impact on Payment Service Providers
Major payment platforms such as Google Pay, PhonePe, and Paytm are set to benefit from these improvements. With reduced response times, these platforms can process transactions more swiftly, leading to quicker payment confirmations and enhanced user satisfaction.
🔐 Enhanced User Experience
To further improve the user experience, NPCI has introduced the following measures:
- Increased Balance Check Attempts: Users can now check their account balance up to 50 times per day.
- Account-Related Searches: Users can perform up to 25 account-related searches daily.
- Mandate Attempts: Each mandate will have one attempt, with three additional retries allowed in case of failure.
These enhancements aim to provide users with more flexibility and convenience when using UPI services.
📆 Looking Ahead
As UPI continues to evolve, NPCI remains committed to improving the digital payment ecosystem in India. The recent changes are part of ongoing efforts to ensure that UPI remains a reliable, secure, and user-friendly platform for all users
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