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Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

NPCI - Initial Streamlining the Check Transaction usage in UPI and overuse / misuse of all UPI APIs

26-Apr-2025 | NPCVUPVOC/215/2025-26

NPCI has issued the circular regarding Initial Streamlining the Check Transaction usage in UPI and overuse / misuse of all UPI APIs.

Key Highlights are as follows:
1. The circular has been issued to address the situation that has been resulted due to initiation of high number of "Check Transaction Status" APIs by PSP banks at a very high Transactions Per Second (TPS) rate in repetitive manner.
2. The guidelines regarding the above specified subject have been specified. Some of them are as follows:
i) PSP banks/Acquiring Banks shall ensure that all the API requests (traffic) sent to UPI are monitored and moderated in terms of appropriate usage.
ii) PSP banks / Acquiring banks may initiate a maximum of 3 check transaction statuses within 2 hours from the initiation/authentication of the original transaction.
iii) PSP banks / Acquiring banks shall audit their systems by a Cert-in empanelled auditor on an immediate basis, to review the API usage and existing systems behaviour, and annually hereafter.
3. The above-specified guidelines are to be implemented by the PSP banks / Acquiring banks on an immediate basis.


For more information, kindly refer to the attached document.

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