What are new changes announced by NPCI for UPI payments like Gpay, PhonePE, Paytm from 3rd November. (File)

The National Payments Corporation of India (NPCI) has announced a revised settlement framework for UPI (Unified Payments Interface) transactions, introducing separate cycles for authorised and disputed transactions. The new rules will come into effect from November 3, 2025.

GPay, PhonePe, Paytm: New Rules For UPI Transactions

Now, UPI processes 10 settlement cycles per day through RTGS (Real Time Gross Settlement), with each cycle handling both authorised and dispute-related settlements. Wherein UPI transactions have seen exponential growth, NPCI has decided to segregate authorised and dispute settlements to ensure faster and smoother processing.

Changes In UPI Settlement Cycles

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