UPI users: Now every transaction takes just 15 seconds; You can know the status quickly

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If you make payments through UPI every day, then there is good news for you. From June 16, 2025, both debit and credit UPI transactions will be completed twice as fast. Currently, a transaction used to take about 30 seconds, but now this process will be completed in just 15 seconds. This change is being made under the new guidelines of the National Payments Corporation of India (NPCI), in which all banks and payment apps have been instructed to reduce the API response time.

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Not only this, if any transaction fails or happens by mistake, then checking its status or reversing it will now take only 10 seconds, which used to be 30 seconds earlier.

It will also take less time to check the status

If for some reason the status of the transaction is not visible immediately, then the bank or app (like PhonePe, Paytm ) checks the status through ‘Check Transaction Status API’. Till now this API used to start after 90 seconds. From June 2025, it will be started in just 45-60 seconds. This means that you will have to wait only half the time as compared to now to check the status of the transaction.

The Check Transaction Status API is used when the status of a transaction is not known. This change is being made to reduce the load on the system and provide quick responses to the user. This API will not run for certain reasons for transaction failure (such as network timeout, connection failure), and such transactions will be considered as failed directly. Banks and apps can check the status a maximum of 3 times within 2 hours.

Both the reliability and speed of the payments system will improve

TechFini co-founder Jai Kumar says that this step has been taken so that users can quickly get information whether their transaction has been completed or not. This will improve both the reliability and speed of the payments system.

UPI users will benefit directly from this

UPI users will get direct benefit of the new API rules and timing changes. Let us know about the benefits available to customers in some points…

• Fast status update:Transaction status will be known in less time, reducing waiting time.
• There will be relief from wrong fail marking:Earlier, transactions were considered failed due to minor technical problems. Now this will happen less.
• Better trust and experience:UPI users will get a better and faster experience with every transaction.

Will the pressure on the system increase?

When all banks and payment apps adopt these new rules, there may be challenges for some time. But Rahul Jain, CFO of NTT DATA Payment Services India, says that India’s UPI system is quite strong and is capable of handling the change.

What will happen if the rules are not followed?

NPCI has also clarified that if a bank or app does not respond to the API within the stipulated time limit, a fine can also be imposed. Jai Kumar of TechFini explains that these fines can be imposed based on the severity of the transaction and the delay.

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