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NPCI Imposes Daily UPI API Limits and Schedules Autopay for Off-Peak Slots

The guidelines aim to ease pressure on India’s payment rails through throttled automated calls alongside timed off-peak windows for recurring transactions.

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Online payment security concept with mobile phone, bank cards, bill, gold coins and shield with check mark. Safe financial transfer with smartphone, credit cards and receipt, 3d render illustration

Overview

  • From August 1, UPI users will be limited to 50 daily balance inquiries and 25 linked-account views per app.
  • Failed transaction status checks will be capped at three per two-hour window, with mandatory pauses between attempts.
  • Recurring payments and autopay mandates will be processed only during designated off-peak hours.
  • All banks and payment apps must comply to prevent excessive API traffic from overloading NPCI’s infrastructure.
  • NPCI says the measures will bolster system resilience after early-year slowdowns and build on June’s performance and security upgrades.