UPI to remove money request features from 1 October: What does this mean for you
Citing cyber scams and fraud, the authorities have decided to remove the money request tool from the UPI. From October 1, 2025, users will now ask for their share directly.

In short
- NPCI to retire from P2P Money request option from October 1, 2025
- The move aims to curb scams exploiting fake UPI collection requests.
- Sending money through UPI ID, QR code and merchant requests remains unchanged
From October 1, 2025, the way Indian Unified Payments Interface (UPI) uses it will change. The National Payments Corporation of India (NPCI) has announced that it is retiring the money request option for individual-to-person transfer, a step that aims to clamp over scams that have targeted rapidly targeted users.
The money request button, at least on paper, was a clean -inflammatory tool. Instead of strangely asking someone to send money, you can simply raise a request, whether he was still outstanding to divide the bill after dinner or remind him of a forgetful friend about that 500 rupees. The recipient had the option to approve or reject.
Then, why this change?
While the equipment was clean, the fraudsters quickly discovered a flaws. Fake requests became a common trick, and many people, thinking that they were confirmed a real payment, accidentally authorized the transfer directly from their accounts.
NPCI’s new instruction leaves very little space for ambiguity. From October 2, “No P2P collecting transactions should be started, should be rooted or processed,” it is called banks, payment service providers and UPI apps in a note. The system must be updated to completely block such requests.
This does not mean that UPI is becoming difficult to use. In fact, most characteristics remain untouched. you can still:
– Send money immediately using UPI ID, mobile number or bank details.
– Scan a QR code to pay friends, family or shopkeepers.
– Approve requests from verified traders, such as delivery apps or online retailers.
The change is completely applied to colleague collection requests from colleague to colleague. The merchant collection request will continue, with their current high transaction cap. (Earlier, P2P collection was limited to Rs 2,000 per request.)
Security on simplicity
By cutting the P2P collection, what is seen as one of the weakest safety links of NPCI UPI, removing it. To approve a fake request is a little more necessary than a careless tap, making it a favorite trick in the online fraud kit.
“The purpose is to protect consumers and strengthen confidence in UPI,” the organization has said, designed the decision as a pre-strike strike against the increasing fraud attempts.
Of course, for real users, it means losing a shortcut. Instead of increasing the request, now you have to ask your share directly for your share, either by sharing your UPI ID, generating the QR code, or just dropping the payment reminder on WhatsApp.
UPI is India’s digital payments Crown Jewel, which handles billions of transactions every month. Its popularity rests on three things: speed, simplicity and zero transactions cost. But that simplicity has left it unsafe to misuse it.
The fraudsters have tried everything from fishing texts and fake OTP requests to copying bank officials. The Collect request feature was only another arrow in his quiver. Removing this, NPCI argues, about making flexibility before the problem proceeds.
What does it mean for users
For most people, it will change slightly. Sending money will be immediately accepted, independent and widely accepted. Only one thing will be missing which will be a humble elite through UPI. This can be mildly inconvenient to prepare your own reminder messages or share a QR code instead, but the business is clear: to cheat the fraudsters to trick people to participate in a low way to participate with their cash.
The future of UPI, then, is one of the stringent safety measures, less about the offering of every possible shortcut, and is more secure about ensuring every tap and swipe.