Digital payments have revolutionized the way we transact, making cashless transactions quick, seamless, and secure. But starting April 1, 2025, some users of Google Pay (GPay) and PhonePe may find their accounts inactive if they don’t comply with the latest regulations. This change could affect millions, and staying informed is crucial to avoid disruptions.
To help you understand these new rules and ensure uninterrupted digital payments, let’s dive into the details and practical solutions to fix any potential issues before they arise.
Digital Payment Alert
| Aspect | Details |
|---|---|
| New Regulation Effective Date | April 1, 2025 |
| Apps Affected | Google Pay (GPay), PhonePe |
| Key Change | Mobile numbers not linked to a bank account may be deactivated |
| Who is Affected? | Users with inactive or outdated mobile numbers linked to UPI accounts |
| Solution | Update bank-linked mobile number, check UPI registration |
| Official Reference | NPCI Official Website |
With the April 1, 2025 deadline fast approaching, it’s essential to act now. Ensure your mobile number is linked to your bank account, UPI registration is active, and SIM is not dormant. By taking these simple steps, you can continue to enjoy seamless digital transactions on Google Pay and PhonePe without any disruption.
If you need more information, visit the NPCI official website or contact your bank’s customer support.
Understanding the New Digital Payment Rule
The National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI) are tightening security measures to curb fraud and enhance the reliability of Unified Payments Interface (UPI) transactions. As part of this, starting April 1, 2025, digital payment services like GPay and PhonePe will stop working for users whose registered mobile numbers are inactive or not linked to their bank accounts.
Why is This Change Happening?
- Security Enhancements: To prevent unauthorized transactions and digital fraud.
- Account Verification: Ensuring every user has an active, verified bank-linked number.
- Inactive Users Cleanup: Removing inactive mobile numbers from the system to improve efficiency.
Who Will Be Affected?
This change primarily impacts users who meet the following criteria:
- Mobile numbers not linked to an active bank account
- Old or inactive SIM cards used for UPI registration
- Users who recently changed their mobile number but haven’t updated it with their bank
How to Check if Your GPay or PhonePe Will Stop Working?
Step 1: Verify Your Linked Mobile Number
Your mobile number must be linked to your bank account for UPI transactions to work. Here’s how you can check:
- Open your bank’s mobile app or website.
- Navigate to the Profile or Account Settings section.
- Look for the registered mobile number and verify if it’s correct.
- If incorrect or outdated, update it immediately.
Step 2: Check Your UPI Registration Status
To ensure your UPI account remains active, follow these steps:
- Open Google Pay or PhonePe.
- Go to Settings > Linked Bank Accounts.
- Select your bank and verify if it shows Active.
- If it shows Inactive, you may need to re-register your UPI account.
Step 3: Check for SMS Banking Activation
Banks send OTPs and transaction alerts via SMS. If you’re not receiving these messages, your mobile number might be inactive or incorrectly registered.
- Try sending an SMS to your bank’s toll-free number to check your registration status.
- If no response, contact customer support to update your details.
How to Fix Issues Before April 1?
If you’re at risk of losing access to digital payments, here’s what you should do:
1. Update Your Mobile Number with Your Bank
To update your mobile number, follow these steps:
- Visit Your Bank Branch: Carry your ID proof and request an update.
- Use Net Banking: Some banks allow mobile number updates online.
- ATM Update: Some ATMs offer mobile number change services.
2. Re-Register on UPI Apps
If your UPI account is inactive, re-register on GPay or PhonePe by:
- Deleting and reinstalling the app.
- Signing in with your updated mobile number.
- Verifying your number with an OTP.
- Re-linking your bank account.
3. Keep Your SIM Card Active
If your old SIM is still linked to your bank, keep it active by:
- Making at least one call or SMS every 30 days.
- Recharging with a minimum plan.
- Visiting your telecom provider to reactivate a dormant SIM.
4. Check for UPI Transaction Limits and Bank Policies
Some banks may impose daily transaction limits on UPI payments. Visit your bank’s website or customer support to:
- Confirm your UPI transaction limit.
- Verify if your bank has imposed any additional restrictions.
5. Enable Multi-Factor Authentication (MFA) for Extra Security
To keep your payments secure:
- Activate two-factor authentication (2FA) for your digital transactions.
- Enable biometric authentication (fingerprint or facial recognition) for added protection.
- Set up a strong UPI PIN and never share it with anyone.
FAQs On Digital Payment Alert
1. What will happen if I don’t update my mobile number by April 1?
Your UPI payments on GPay and PhonePe will stop working, and you won’t be able to make transactions.
2. How do I know if my mobile number is linked to my bank account?
Check your bank’s mobile app, net banking, or visit a branch to confirm.
3. Can I update my mobile number online?
Some banks allow mobile number updates online, but others may require an in-person visit for verification.
4. What should I do if I changed my SIM card recently?
Re-register your new mobile number with your bank and update it on GPay or PhonePe.
5. Will this affect international users?
No, this rule applies only to Indian users under NPCI regulations.
6. Can I continue using UPI with a new number?
Yes, but you must first update the new number with your bank and then re-register on your UPI apps.
