New Delhi:  In a bid to curb financial fraud, the National Payments Corporation of India (NPCI) has directed all banks and payment apps to disable the peer-to-peer (P2P) ‘collect request’ feature on the Unified Payments Interface (UPI) from October 1, 2025.
What is a Collect Request?
The ‘collect request’ or ‘pull transaction’ feature allows a UPI user to request money from another user, who can approve the request by entering their UPI PIN.Â
Initially introduced to simplify payments between friends, family, and small traders, it was often used to send reminders for shared bills or pending payments. However, fraudsters have exploited the feature to trick people into authorising unintended payments.
Merchants to Continue Using Feature
The move applies only to P2P transactions. Merchant collect requests will remain unaffected. This means platforms like Amazon, Flipkart, Swiggy, or IRCTC can still send payment requests to customers, which will be processed after approval.
Alternatives for Users
With this change, users can rely on the ‘send money’ or ‘split payment’ options already available on UPI. Personal transactions for small traders will now be designated as merchant transactions, with dedicated UPI merchant accounts used instead of personal savings accounts.
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