The National Payments Corporation Limited (NPCI) on November 07, 2023, issued the guidelines on the deactivation of UPI IDs and UPI Numbers of inactive customer
These guidelines aim to ensure security, reliability, and prevent the inadvertent transfer of funds to unintended recipients, and safeguard the interests of UPI users
The following guidelines have been stated namely: -
• It states that All TPAPs and PSP banks shall identify UPI IDs and associated UPI numbers and phone numbers of customers who have not performed any financial (debit or credit) or non-financial transactions for 1 year from the UPI Apps.
• It states that the UPI IDs and UPI Numbers of such customers shall be disabled for inward credit transactions. Further to this, PSPs shall deregister the same phone number from the UPI mapper as well.
• The Customers with inward credit block UPI IDs and phone numbers shall re-register in their respective UPI apps for UPI mapper linkage. Customers can make payments, and non-financial transactions using UPI Pin as needed.
• The UPI apps shall perform Requester Validation (ReqValAd) before initiating `pay-to-contact'/'pay to the mobile number'. UPI Apps shall show the customer name that has been fetched before initiating the transaction and shall not display the name that has been stored/cached at the app’s end.
• It further states that All UPI Apps including TPAPs and PSP banks shall implement the same by December 31, 2023.
[Notification No. NPCI/UPI/OC No. 180/2023-24]
