UPI Rule Change: NPCI Bans QR Proportion-And-Pay For Worldwide Transactions—Here's What It Means For You
The countrywide bills company of india (NPCI) has issued a chief update with a purpose to immediately effect UPI users making worldwide payments. powerful april four, 2025 , users will not be capable of making UPI payments overseas through shared QR codes .
What's banned?
In keeping with NPCI's circular dated april 8, 2025:
"QR proportion and Pay" will no longer be allowed for international UPI person-to-service provider (P2M) transactions.
This means:
You can't scan a saved/shared global QR code to make payments abroad anymore.
Your UPI app must recognize the stay QR code in real-time at the point of sale.
In which UPI is widespread internationally
Presently, indian UPI-based QR payments are supported in 7 nations:
France
Mauritius
Nepal
Singapore
Sri Lanka
UAE
Bhutan
Formerly, merchants overseas ought to ship QR codes through whatsapp or social media. customers would test and pay for the use of apps like PhonePe, google Pay, or Paytm. This technique is now discontinued.
Effect on customers & merchants
For customers:
No extra QR-based totally far-flung payments for global shopping or eating.
Should experiment with QR bodily at the service provider region.
For traders:
Can't ship QR images over social systems for price.
Need to ensure real-time QR visibility at their premises.
For psps (charge provider providers):
Ought to block global QR-percentage-based transactions.
Should ensure app compliance with up-to-date NPCI rules.
What about India?
Home UPI QR proportion & Pay stays unchanged; however:
A ₹2,000 cap is in place for non-established offline indian traders.
Users can nonetheless use QR share-and-pay within india for proven use instances.
Note: The ₹2,000 restriction has existed earlier—the modern update mostly targets global use.
✅ Key Takeaways
Function vintage Rule New Rule (2025)
Global QR share & Pay Allowed ❌ Banned
Domestic QR percentage & Pay (Unverified merchants) ₹2,000 limit carried out ✅ nevertheless allowed beneath ₹2,000 restriction
PSP necessities No enforcement on QR sharing ought to apprehend & block the international QR percentage.
Actual-time QR test at POS abroad is non-obligatory ✅ mandatory
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