If you frequently use apps like PhonePe, Google Pay, or Paytm for sending or receiving money, there’s a major update you need to be aware of.
In a circular dated July 29, the National Payments Corporation of India (NPCI) has announced that the P2P “Collect Request” feature on UPI platforms will be discontinued from October 1, 2025.
What Is the P2P Collect Request Feature?
This feature allows UPI users to send a payment request to another user, often used to remind friends or family to share bills or pending payments. However, it has become a significant vector for scams and phishing attempts.
Fraudsters commonly use this to trick users into accepting fake requests under the pretense of emergencies or professional roles, leading to unauthorized debits from the victim’s account.
Why Is It Being Removed?
Despite a ₹2,000 limit per transaction, fraud cases have continued. NPCI has decided to remove the feature entirely for P2P payments to improve user safety.
From October 1, 2025, you’ll only be able to send money via:
✅ QR code scanning
✅ Selecting the contact number manually
✅ Entering the UPI PIN for authorization
Will Merchant Transactions Be Affected?
No. UPI collect requests from verified merchants like Flipkart, Amazon, Swiggy, and IRCTC will remain unaffected.
Users will still have to approve the request and enter their UPI PIN to complete the transaction, maintaining security protocols.
Key Takeaways for Users:
- ❌ P2P UPI collect requests will stop from October 1, 2025
- ✅ Continue using QR codes and contact-based UPI transfers
- 🔒 The move aims to significantly reduce fraud risks
- 🛍️ Merchant transactions will still function normally
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