Zoho, which made a splash with Arattai app and Ulaa browser, is now preparing to defeat apps like Paytm and PhonePe. According to reports, Zoho will now launch UPI-based consumer payment platform Zoho Pay, which will give direct competition to Paytm, PhonePe and Google Pay. Let us tell you that Zoho’s Arattai app is being seen as a Made in India alternative to WhatsApp and the number of its downloads has increased rapidly in the last few days. Similarly, Ulaa browser is also giving tough competition to Google Chrome.

Zoho Pay will be a standalone app

According to reports, Zoho Pay will be a standalone app and can also be integrated into Arattai Messenger. With this, like WhatsApp, Arattai users will also get both chatting and payment options in the same app. Zoho already has a payment-aggregator license and is offering business payments through Zoho Business. Now with the entry of UPI payment ecosystem, competition in the market will increase and the companies that have already established their footing will also get new challenges.

When is it expected to be launched?

The launch date of Zoho Pay app has not been revealed yet, but it is being speculated that it can be launched in the next quarter. Currently, testing of this app is going on and it will be launched for Android as well as iOS.

Most digital transactions happen through UPI

India’s digital payment network is the most active in the world. Here, most digital payments are made through UPI. According to a latest report, 17,221 crore transactions were done through UPI in 2024, whereas in 2019 this number was 1,079 crore. If we look at the total value of these transactions, there was a transaction of Rs 18.4 lakh crore in 2019, whereas in 2024 this number will increase to about Rs 247 lakh crore.

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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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Paytm block deal: The news about the country’s well -known Fintech company Paytm has come out that China’s Ant Group is going to sell its shares. One of the big shareholders of One 97 Communications is Ant Group of China. But, according to the news of Reuters, this Ant Group of China is ready to sell its entire stake to 5.84 percent for Rs 3803 crore i.e. Rs 38 billion through a blog deal on August 5. Significantly, Atifin is a colleague of China’s Alibaba Group. It was earlier also known as Ant Finanneasia.

China’s company will sell stake from Paytm

Within the last two years, many big investors have sold their stake in Paytm, including Japan’s soft bank group and Warren Buffett company Berkshire Hathaway. Goldman Sachs India Securities and City Group Markets India will lead the deal. However, so far no response has been given by Ant Group or Forest 97 Communications.

Ant Finn was continuously decreasing its stake in Paytm for the last two years. Earlier, in May 2023, Ant Group sold its stake of 10.3 percent in May and then in August 2023. According to reports, equity shares worth 3.77 crore will be sold in this deal, which is 5.84 percent of Paytm’s outstanding shares. The floor price has been kept at Rs 1020 per share.

PTM shares boom

During the last one month, Paytm shares have risen by 16.01 percent. On Monday, its stock saw a 0.33 percent increase and during a year it has given a tremendous 116.24 percent of investors.

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The National Payment Corporation of India (NPCI) has changed its UPI rules. Now the new rules will be applicable from August 1, 2025. According to NPCI, these new guidelines are being implemented to improve the security of digital transactions in India as well as to improve speed. If you run Google Pay, Paytm, PhonePe or any other platform, then this news is very important for you. Let us know in detail about these newly implemented rules.

How will there be changes in UPI rules

• UPI users will not be able to see their linked bank account more than 25 times a day.
• UPI users will be able to check their balance only up to 50 times a day.
• In case of payment tracking, you will be able to check any transaction status only 3 times. There should be a difference of 90 seconds between every effort.
• Autope transactions will be managed with fixed time slots to reduce the crowd in the system.

Let us tell you that this change by NPCI has been made after an increase in complaints of delay and transaction failure between April and May 2025. NPCI said that the system was slowing down due to repeated checks and repeated status tracking through users. Now transactions will be intensified with new changes and rules and will not affect daily use.

No changes in UPI payment limit

However, there has been no significant change in the UPI payment limit. The transaction limit is still the same. Usually users can do up to Rs 1 lakh per transaction and up to Rs 5 lakh for some categories like health service or education.

These things have to be taken care of

The thing to note is that users do not need to do anything for this. These changes will automatically be implemented through users’ UPI apps. All you have to do is keep these new limits in mind so that you do not get any kind of interruption in the necessary transactions. Now auto pay timing can be according to the new fixed slot. Traders who depend on automatic UPI collection may have to keep pace with new times. For most users, whether you are paying for mobile recharge or paying for any subscription, everything will be the same.

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Paytm share: Paytm brand parent company One 97 Communications Limited shares will be in focus on Wednesday, July 23 as the business year 2025-26 has made a lot of profit in the first (April-June) quarter of 2025-26. Its results were released on Tuesday. In the first quarter, Paytm made a profit of Rs 123 crore. Whereas a year ago the company had a loss of Rs 840 crore.

The company credited it for profit

The company says that this position was achieved due to automation from Artificial Intelligence (AI), better cost structure, data-operated decisions and other income. During the quarter ended June 30, 2025, the operational revenue of this big company in Fintech sector increased by 28 percent to Rs 1,918 crore.

Paytm’s contribution profit is so much

The contribution profit of Paytm was Rs 1,151 crore in this quarter, which is 52 percent more than the previous year. It had a contribution margin of 60 percent. This shows that the company has benefited from payment revenue and financial services. This quarterly Paytm’s EbitM was also positive with Rs 72 crore, including a margin of 4 percent, which indicates moving towards the company’s sustainable profits.

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New upi rule: The government has given very good news to UPI users. The National Payments Corporation of India has made a big change in the rule of payment through UPI. Now users can also send the amount of gold loan, business loan and FD through UPI. The loan account can also be linked to the UPI account. With this, you will be able to make payment from credit cards to business loan from UPI app like Paytm, PhonePe, Google Pay. This rule will be applicable from 1 September 2025.

Will be able to withdraw loan money without going to the bank

NPCI recently took many important decisions to make the payment method more easy and secure. Now it has been announced to increase the scope of payment once again. At present, UPI users will be able to link only savings account or or overdraft account to UPI. Payment can be made only through them. Some Rupay Credit Card has also been linked to UPI, but their number is less. Now with the new rule, customers will be able to withdraw money from gold loan and personal loan online without going to the bank.

NPCI decided some rules

The current rules of UPI have the facility of P2M money transfer, but with the implementation of the new rule, P2P will be able to do P2PM transactions. You will be able to withdraw cash. However, NPCI has also fixed some rules for this, such as users will be able to pay up to Rs 1 lakh in a day. Also, the limit to withdraw cash in a day is only Rs 10000. Apart from this, the limit of P2P Daily Transaction has also been increased to 20.

With this, the bank will also decide which payment you will be able to make through UPI. Suppose you have taken a personal loan, then allow loan money for the bank hospital bill or school or college fees. This facility will be especially beneficial for small traders who take a business loan of up to Rs 2-3 lakh and every time they will not have to cut the bank repeated rounds to pay.

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Paytm share falls: An explanation was given by the Finance Ministry that MDR i.e. merchant discount rate will not be charged on any transaction of UPI. As soon as this statement came from the ministry, Paytm’s shares fell down. One 97 is the parent company of Paytm, 97 Communications. However, after that statement of the Ministry of Finance, Paytm’s stock has been seen on Thursday by 10 percent.

Paytm’s stock on BSE has fallen by 6.13 percent to 901.30 on Thursday. Earlier in the year 2024, on December 17, Paytm shares were Rs 1063, while on June 12, they came to Rs 376,85.

What did the Finance Ministry say?

In fact, some such reports came out in which it was being claimed that the government is thinking of implementing MDR on 3000 or more transactions to help banks and payment solutions provider. The report said that the banks can be approved by the Finance Ministry to impose MDR on the transaction value in lieu of merchant turnover. For this reason, Paytm shares jumped and a record reached 978.

In the clarification of June 11, issued by the Finance Ministry, it was said that MDR or any kind of UPI transaction will not be applicable on UPI transactions. Also, the claims were declared misleading and completely wrong. This clarification was issued by the Finance Ministry after the stock market was closed.

It is worth noting that the fees charged from the merchants for processing of payments in real time on behalf of the bank are called MDR. The MDR fee was abolished in the year 2020 for the expansion of digital services in the country by the government. However, this year the government was asked by the Payment Counsel of India to rethink Zero MDR again on UPI transactions.

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Paytm gst notice: The Supreme Court has given great relief to Paytm’s parent company One 97 Communications Limited (OCL). The court has stayed the GST notice sent to the company’s real money gaming platform. According to a regulatory filing, on Saturday, May 24, the Supreme Court announced a ban on GST notice of Rs 5,712 crore released to Paytm’s Gaming Branch – First Games.

‘Tax case related to industry’- company

In fact, a show cause notice (SCN) was issued by the Directorate General of GST Intelligence in April. The first game challenged this notice in the Supreme Court. Now on May 23, 2025, the Supreme Court has stayed the action of this notice.

One 97 Communications had said that the tax case is not limited to first game. It is connected to the entire industry and its hearing is being held in the Supreme Court. Paytm has said in its regulatory filing, as per the order of the Supreme Court, further proceedings on all the concerned show causes notice will be postponed until the final settlement of the main case is done.

Demand for GST at the rate of 28 percent

The filing stated, under Section 74 (1), UPGST Act, 2017 and IGST Act, 2017 of CGST Act, 2017, a show cause notice has been issued to First Games under Section 20 of 2017, which has proposed GST demand and applicable interest and fine for GST cases running from online gaming industry. In which DGGI believes that GST liability for online gaming platforms should be calculated at 28 percent of the total entrance.

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By now you must have heard that online thugs steal the identity of others and scam. But when the target of cheating becomes the name of the cheating himself, then the matter is also fun and shocking.

Something similar happened with Paytm founder Vijay Shekhar Sharma. He received a message on Whatsapp, in which the person in front recognized himself as ‘Vijay Shekhar Sharma’. That is, the scammer got the identification of Vijay and messaged him.

Viral on x

Vijay Shekhar Sharma posted a post on social media about this incident and wrote, “IMPERSONATING MySelf to Me.” He also shared a screenshot of the WhatsApp message in which Scammer is asking him, “Are you in the office?” And is telling himself ‘Vijay Shekhar Sharma’.

Impersonating myself to me pic.twitter.com/ott63fkzu1

– Vijay Shekhar Sharma (@vijayshekhar) May 21, 2025

Funny reactions on social media

After this post, there was a flood of reactions on the Internet. A user jokingly wrote, “Impersonating ka tarika thoda kesual hai.” The other said in a serious tone, “Joke is its place, but this is a serious issue. Many people get into such a way.” A third user quipped, “Just need so much confidence.” So while referring to Paytm, the fourth said, “Ask him, how much cashback will be available on Paytm UPI?” And another user said in the film style, “Vijay calling Vijay – like ‘Karthik Calling Karthik’ was in the movie.”

How to avoid WhatsApp scam?

WhatsApp has told in a blog how such scams can be avoided. Wait the first step and think. If someone asks you to answer quickly, ask to trust or ask for your pin and personal details, then be alert.

Second step, close the conversation immediately. If someone’s behavior seems suspicious, stop talking. Whatsapp itself says, “If you are unable to identify the front, do not share any personal or financial information.”

Block the third step and report. Block such scammers immediately and report to Whatsapp. Also, always keep your privacy and security settings updated.

The scam now comes in joke, but the effect is real

Vijay Shekhar Sharma’s case may look funny on social media, but it shows that scammers can now go to any extent. Need to be cautious and technology as well as wise to walk wisely.

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