By Admin 
UPI Payment Security: UPI (Unified Payment Interface) is now going to change the methods of online payment. In today’s superfast life, transactions up to thousands of rupees with just one click occur in seconds. Due to this, everyday life has become cashless and much easier. Now, whether to distribute the bill in the restaurant or to borrow money from a friend, UPI has become an important means for digital transactions. But now a big change is going to come, which will affect millions of users. Let’s know what is this change.
New change in UPI transaction
The National Payments Corporation of India has announced that now Person to Person ‘Collect Request’ or ‘Bridge Transaction’ feature will be closed from 1 October 2025 i.e. from today. Apps like Phone Pay, Google Pay and Paytm will no longer allow users to send payment requests directly to friends, relatives or their experts.
What is UPI ‘Collect request’ feature
Actually, with the help of this feature, one person could send a payment request to another user by entering UPI ID. For example, if you want to take money from your friend, then you could send them a request from your UPI app. After this, your friend would accept that request and put his pean, the money would be transferred to your account. This feature was very convenient, but at the same time it was becoming dangerous over time. Let’s know how.
Why was this feature dangerous
Actually, even though this facility was made for ease, with the help of this, the fraudsters were benefiting a lot. Scammers used to send fake requests to unknown users and implicate them to pay. Although earlier, the National Payments Corporation of India had reduced the request limit to ₹ 2000 to prevent misuse, but even then the fraud continued. Now after this, this feature is being closed forever to stop this fraud.
Traders will still have access
The important thing is that this feature will not be completely eliminated. Marchants like IRCTC, Flipkart, Amazon or Netflix will be able to send payment requests to customers for ticket booking, shopping or subscription. This feature is being banned only for Person to Person Transaction.
How to affect users
After the closure of this feature, from 1 October 2025, you cannot ask for money from friends or relatives using UPI Collect request. To transfer the money, you have to use the mobile number directly from the QR code, the receiver’s UPI ID, or the mobile number linked to UPI.
This feature is being closed for the purpose of increasing the security of digital payment. With this, now after this step, users will get relief from the scam. Users are advised to always check the payment request thoroughly before transferring money and must find out where the money is going.
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