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New Delhi: In a significant development set to impact millions of UPI users the Unified Payments Interface (UPI) system is expected to see major changes starting August 1 2025. According to the reports the National Payments Corporation of India (NPCI) will roll out new Application Programming Interface (API) usage rules for all banks and payment apps. These changes aim to make the system more secure and efficient—but users may face some restrictions. Here are some of the key details: The UPI users will only be able to check their account balance 50 times per day on each UPI. If they use two apps they will get 50 balance checks on each. APIs allow Payment Service Providers (PSPs) to check if a transaction was successful. Under the new guidelines PSPs should check transaction status only after a certain time delay. Users will now be able to check which bank accounts are linked to their mobile number only 25 times a day per app. This request will work only if the user selects their bank and gives consent. The NPCI has instructed all banks and payment service providers (PSPs) including Paytm PhonePe and others to closely monitor their API usage. Violators may face penalties usage restrictions or even a ban on onboarding new users. All PSPs must also submit a system audit undertaking by August 31 2025. NPCI says these limits will help improve system stability and security. PSP banks and/or acquiring banks shall ensure all the API requests (in terms of velocity and TPS — transactions per second limitations) sent to UPI are monitored and moderated in terms of appropriate usage (customer-initiated and PSP system-initiated) highlights the circular dated May 21 2025.