Unified Payments Interface (UPI) - News & Updates

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India's Unified Payments Interface (UPI) experienced its longest downtime in over three years on April 12, lasting approximately five hours due to banks flooding the system with excessive transaction status check requests.

According to the National Payments Corporation of India's (NPCI) root cause analysis, the outage stemmed from a critical technical oversight - the absence of a transaction status check limiter in the system's architecture.

 
Starting July 15, banks no longer need NPCI approval to whitelist valid UPI chargeback disputes that were earlier declined. The change will reduce friction and make the system more user-friendly.

 
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