What’s changed? Here’s the comparison:
1- Balance Check:
Before: Unlimited balance checks
After : Limited to 50 times per app per day
2- Autopay:
Before: No limit on autopay mandates
After : Maximum 3 active autopay mandates per customer per app.
3- Transactions:
Before: No fixed daily limit for most users
After : Maximum 10 transactions per app per day, excluding autopay
4- Failed Transactions:
Before: No restriction on failed attempts
After : Maximum 3 failed attempts, then retry after 90 seconds
5- Registered Devices:
Before: No limit on registered devices
After : Maximum 5 devices per mobile number
6- Inactive Numbers:
Before: UPI ID remains active on inactive numbers
After : UPI ID will be deactivated on inactive numbers
7- Merchant Payments – MDR
Before: No MDR on UPI payments for most categories
After : MDR may be introduced for certain large merchants; final categories awaited
8- Security:
Before: Basic security checks
After : Stronger security and real-time fraud monitoring.