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From October 1, 2025, the Person-to-Person (P2P) feature will be permanently discontinued, the body stated in a circular issued on July 29, saying the move was aimed at securing greater transaction security for users and closing a popular avenue used by scammers for fraudulent activities.

The feature, also known as “pull transaction”, allowed users to request money from others via UPI but was increasingly exploited by cybercriminals to send fake payment requests under false pretenses to trick unsuspecting users whose funds would be instantly transferred as soon as they accepted the request.

 

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However, from now on, UPI payments will require a sender to either scan a QR code or select a contact from their list, enter the amount, and then authenticate with a UPI PIN.

Despite capping transaction values at ₹2,000 earlier to limit such scams, authorities say cases of fraud had reduced but not stopped, prompting them to completely remove the feature to provide better protection to users.