Digital Payments: UPI has brought a major revolution in digital transactions in India. With this, it has become much easier to transfer money instantly from bank to bank using just a mobile number or UPI ID. But meanwhile the question arises that how does the United States, which is far ahead in technology, do digital money transfer? Let us know the method of transferring money in America.

How did digital payments start?

As more people across the world are adopting mobile-based payments, cash is slowly disappearing. UPI in India has made the process of transactions much easier, from paying for groceries to transferring money to family and friends. Even internationally, countries like Qatar are using UPI for instant payments. But apart from all this, America has adopted many types of digital payment systems. But none of them provide government support and other facilities like UPI.

wallet based transfer

In the US and many European countries, digital payments are often made through wallet services like Apple Pay, Google Pay and Samsung Pay. All these platforms transfer money instantly but they work as wallet to wallet payments. Unlike UPI, all these systems do not transfer money directly between bank accounts in real time.

The closest alternative to UPI

However, wallet services are prevalent and there are some bank-to-bank transfer systems in the US that are similar to UPI. Zelle, a payment platform created by US banks, allows sending money directly from one bank account to another. Similarly, apps like Cash App and Venmo also provide the facility of bank to bank transfer.

Technology is not like India

Despite being much ahead in technology, there is not a single standardized system in the American market. There is no facility like UPI that can integrate all the banks for instant payment. This means that users here have to choose from multiple services based on convenience, bank or transaction limit, whereas in India, UPI works seamlessly across almost all banks and apps. The situation is exactly the same in Europe also. Although there are mobile wallet and instant payment apps, they do not provide bank to bank transfer system.

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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