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UPI Transactions to Face Disruptions from February 1, 2025, Due to New NPCI Rule

UPI: From February 1, 2025, UPI transactions will not be processed if the transaction ID contains special characters, as per a new directive issued by the National Payments Corporation of India (NPCI).

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Neha Kumari
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From February 1, 2025, UPI transactions will not be processed if the transaction ID contains special characters, as per a new directive issued by the National Payments Corporation of India (NPCI). The central payment system will only accept transaction IDs that are strictly alphanumeric, aiming to enhance security and standardization in digital payments.

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The NPCI has warned that any UPI application generating transaction IDs with symbols such as '@', '#', '!', or other special characters will face transaction failures. Users are advised to update their UPI apps to the latest versions to ensure compliance with the new guidelines.

Impact on UPI Users

If a UPI app does not adhere to the new rule and continues generating invalid transaction IDs, all payments made through that platform will be automatically declined. This could lead to widespread disruptions in digital transactions unless users and service providers take necessary action before the deadline.

For instance:

✅ Valid Transaction ID: upi1234567890abc12345

❌ Invalid Transaction ID: upi@123456!7890#abcd

 

To avoid transaction failures, users should ensure their apps generate IDs in the correct format.

Steps to Avoid Disruptions

Update UPI apps to the latest version before February 1, 2025.

Check transaction IDs for compliance before initiating payments.

Stay informed by monitoring official updates from UPI service providers.

With UPI being a crucial part of India’s digital payment ecosystem, this change aims to streamline transactions and improve security measures. Users are advised to take early action to prevent inconvenience in their daily financial transactions.

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