UPI Collect Requests to End from October 1: What PhonePe, Google Pay, Paytm Users Must Know

If you use PhonePe, Google Pay, or Paytm, get ready for a big change. From October 1, 2025, the peer-to-peer (P2P) “collect request” feature will no longer be available.

This feature allowed users to send money requests to others, for example, to split bills or remind friends to pay back money.

Why Is It Being Removed?

The National Payments Corporation of India (NPCI) says this decision is to improve user security and reduce fraud.

Fraudsters often misuse “collect requests” by pretending to be in an emergency or posing as someone else. When victims accepted the request, their money was debited instantly.

Earlier, the transaction was capped at ₹2,000, which reduced some fraud cases, but scams continued.

How Will You Pay Now?

From October 1:

• Users can still transfer money via QR codes
• Or by selecting a contact number and authorising with a UPI PIN
• No more unsolicited “money request” pop-ups from strangers

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What About Merchant Payments?

Don’t worry, this rule does not affect merchant transactions. Platforms like Flipkart, Amazon, Swiggy, and IRCTC can still send a collect request for payments.

But as always, you must approve the request and enter your UPI PIN to complete the transaction.

Conclusion

The removal of the UPI “collect request” feature may reduce convenience for some users, but will significantly improve safety. With scams on the rise, this step ensures that only intentional payments via QR code or contacts go through, while merchant payments remain unaffected.

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