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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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