The National Payment Corporation India (NPCI) on December 13, 2023, issued a Circular regarding Enhancing the UPI Payment Experience
This circular outlines the first set of compliances toward the objective of enhancing the UPI payment experience.
The following has been stated namely: -
• It states that in order to improve customer experience, it has allowed the linking of multiple payment instruments/account types on UPI including Savings, Current, RuPay Credit Card, PPI Wallet, Pre-sanctioned Credit Line, e-RUPI Voucher, etc.
• All merchant acquiring entities (e.g., Payee PSP banks, aggregators, etc.) shall pass the appropriate Teature Supported value' and other respective tag values within the response validate address API.
• The Payer PSP and UPI Apps (Bank Apps and TPAPs) shall process the respective values and only show the payment methods that are accepted by the merchant to the customer while making a payment.
• UPI Apps shall also ensure appropriate communication to the customer.
• Acquirers shall enable all merchants for a full suite UPI experience across all UPI payment account types as per operating circular NPCl/2022-23/RuPay/019-A dated 7th December 2022.
• It is further requested to adhere to the same latest by January 31, 2024.
[Notification No. NPCI/UPI/0C-183/2023-24]
