NPCI will stop UPI P2P collect requests from October 1, 2025, to prevent fraud, while merchant collect requests remain functional and UPI split payments provide a secure alternative.
India’s National Payments Corporation of India (NPCI) has directed banks and payment apps to stop all person-to-person (P2P) “collect requests” via the Unified Payments Interface (UPI) from October 1, 2025, in a move aimed at curbing financial fraud. The decision will discontinue the facility that allows a user to request money from another subscriber, commonly misused by fraudsters to trick users into authorizing payments.
Currently, UPI P2P collect transactions are capped at ₹2,000 per request, with a maximum of 50 successful credits per user per day. While these peer-to-peer collect requests will be discontinued, merchants can continue to use the feature for payments. Platforms like Flipkart, Amazon India, Swiggy, and IRCTC rely on merchant collect requests, which are processed only after the user approves and enters the UPI PIN.
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The move comes after NPCI observed that fraud cases associated with P2P collect requests, though reduced following transaction limits, remain a concern. The feature, initially designed for splitting bills among friends or reminding relatives of owed amounts, will now be replaced by alternative solutions such as UPI’s split payment option.
UPI remains India’s leading digital payments platform, processing nearly 20 billion transactions monthly, valued at approximately ₹25 lakh crore, and serving around 40 crore unique users. Analysts say the step is likely to enhance overall user safety while encouraging more structured and secure merchant transactions in India’s fast-growing digital payment ecosystem.
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