- NEW DELHI — The National Payments Corporation of India (NPCI) recently issued
new guidelines on numeric UPI ID solution with the aim of enhancing customer
experience for UPI number-based payments. These new guidelines will be
effective from April 1.
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- It will be mandatory for UPI member banks, UPI apps and
third-party providers to follow these new guidelines.
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- According to the new norms, the UPI ID linked to the
inactive mobile number will become inactive. That is, if the mobile number
registered with the bank of a UPI user is inactive for a long time, then the
UPI ID of the user will also be unlinked, and the person will not be able to
use the UPI service.
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- In such a situation, every person using the UPI service
will need to ensure that the mobile number registered with his bank is active.
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- UPI service can be used without any problem only if the
bank records are kept updated with the correct mobile number. There may be
problems with the UPI service associated with inactive or reassigned mobile
numbers.
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- According to the new rules of the Department of Telecom
(DoT), a mobile number can be assigned to a new user after 90 days of
disconnection. If a customer's mobile number is not being used for calls,
messages or data, then such numbers are deactivated by telecom providers. These
numbers are called recycled or churned numbers.
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- Under the new guidelines, the user's bank-verified mobile
number will act as the user's UPI identifier.
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- On the other hand, banks and UPI applications will also
need to update their mobile number records every week so that mistakes caused
by recycled or modified numbers can be avoided.
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- Applications will need to seek permission from users
before assigning numeric UPI IDs. Users must actively opt in for this feature
as the default setting is opted out.
