New Delhi: The National Payments Corporation of India (NPCI) has announced a significant update to India’s UPI infrastructure, cutting the response time for several frequently used APIs from 30 seconds to just 10 seconds.

The changes, effective from June 16, aim to enhance the user experience across platforms like PhonePe, Google Pay, and Paytm.

According to NPCI’s circular, this update will drastically reduce delays in common operations such as checking transaction status, initiating reversals, and validating addresses for Pay or Collect requests. The response time for:

Transaction status check and reversal: Reduced from 30 sec to 10 sec

Address validation (Pay/Collect): Reduced from 15 sec to 10 sec

“The aforementioned revisions are intended to improve the customer experience. Members are required to ensure responses are handled within the revised time,” NPCI stated.

This move is expected to benefit not just users but also remitter banks, beneficiary banks, and PSPs, making digital transactions quicker and more reliable.

With UPI already embedded into daily life for millions of Indians, these technical upgrades will further streamline digital payments—especially in situations involving failed payments or delays in credit confirmation.

Users are unlikely to notice any change in app interfaces but will benefit from faster resolution times and reduced wait periods starting June 16.