Cracking the Code: NPCI’s UPI Guidelines (2024) Demystified

Here is the brief summary of the  of NPCI Circular on UPI Standardisation guidelines:

The National Payment Corporation of India (NPCI) has issued guidelines to enhance the uniformity and branding of UPI (Unified Payments Interface) transactions across various platforms. Whether you’re a UPI app, an online merchant, or an offline merchant, compliance with these standards is crucial. Let’s break down the key points:

For UPI Apps and Their Banks (PSP Banks):

1. Display UPI ID: Ensure that the UPI ID is prominently visible on both the app home page and the payment home page.
2. “Powered by UPI” Logo: Use the official “Powered by UPI” logo consistently across all app pages that access the UPI platform.
3. Clear Messaging: Include text such as “Send Money to any UPI App” or “Scan any UPI QR” alongside the UPI logo on money transfer and QR scan screens.

Compliance Deadline: April 30, 2024. Non-compliance may result in penalties, suspension of new customer onboarding, or debartment from UPI services.

For Online Merchants (via UPI Acquirers):

1. Prominent Display: Clearly showcase “Pay by any UPI App” and list all active UPI apps available on the device.
2. Methodology Shift: Opt for intent-based or other web-based methods instead of the traditional “Collect” approach.

Compliance Deadline: April 30, 2024. Failure to comply may lead to penalties, suspension of new merchant onboarding, or debartment from UPI acquiring services.

For Offline Merchants (via UPI Acquirers):

1. QR Code Compliance: Ensure that all UPI QR codes adhere to the UPI brand guidelines for easy identification by customers.
2. New QR Code Designs: Obtain NPCI approval before implementing any new QR code designs.

Compliance Deadlines:

• Immediate effect for new QR codes.
• December 30, 2024, for replacing existing non-compliant QR codes (with a focus on size and placement of the UPI logo).

Remember, adherence to these guidelines is essential to maintain a standardized UPI ecosystem and avoid penalties or service disruptions.

Shared below is the original circular for the reference and download: