If you use PhonePe, Paytm, or Google Pay (GPay) for daily transactions, here’s an important update you cannot miss. Starting 15th September 2025, major changes are set to take place in UPI and digital payment rules. These updates will impact how you transfer money, manage your wallet, and use payment services.

Let’s break down the key changes and how they will affect millions of users across India.

🔑 Key Changes for PhonePe, Paytm & GPay Users

1️⃣ Transaction Limits Revised

• The NPCI has revised daily UPI transaction limits.

• While the default daily limit remains ₹1 lakh, specific categories such as education, healthcare, and high-value utility bills may allow higher limits.

2️⃣ Inactive UPI IDs to Be Deactivated

• If you haven’t used your UPI ID for more than 1 year, it will be automatically deactivated.

• Users must ensure they keep their accounts active with at least one transaction within the year.

3️⃣ Wallet KYC Mandatory

• Wallets linked to Paytm, PhonePe, and GPay will now require full KYC verification.

• Without KYC, users may face restrictions on wallet balance, transfers, and cashback usage.

4️⃣ New Safety Features Introduced

• To prevent fraud, enhanced verification methods like device binding and OTP authentication will be mandatory for high-value transactions.

• Suspicious transactions will trigger instant alerts for user confirmation.

5️⃣ Auto-Pay Rule Updates

• For recurring payments such as OTT subscriptions, mobile recharges, and insurance, auto-debit rules have been modified.

• Users must now authenticate first-time mandates above ₹500 via OTP.

📲 What Users Should Do Before Sept 15

1. Check Your KYC Status – Complete KYC if pending.

2. Update UPI Apps – Ensure you have the latest version installed.

3. Review Auto-Pay Settings – Re-confirm active subscriptions.

4. Use Your UPI ID – Make at least one transaction if inactive.

5. Stay Alert for Notifications – Read all official alerts from your payment app.

🌍 Impact of These Changes

• Safer Transactions: Stronger security protocols will reduce fraud cases.

• User Convenience: Higher transaction limits in key sectors will benefit students and patients.

• Compliance: Linking wallets and accounts with proper KYC ensures smoother services.