NPCI raises UPI Global Acceptance limit to ₹2 lakh
UPI issuers, PSP banks and apps must reset Global Acceptance limits by 31 May
Change
NPCI raised the per-transaction and per-day UPI Global Acceptance limit to ₹2 lakh, effective 31 May 2026.
Why it matters
The circular changes the limit boundary for UPI Global Acceptance without changing domestic UPI local acceptance limits. Issuer banks, PSP banks and UPI applications must update Global Acceptance limit configuration and authorisation controls so eligible transactions are handled under the revised ₹2 lakh cap from 31 May 2026.
Implications
- — Issuer banks handling UPI Global Acceptance must update per-transaction and per-day authorisation controls to the ₹2 lakh limit by 31 May 2026 — unchanged lower limits can incorrectly reject or constrain eligible Global Acceptance transactions.
- — PSP banks must align Global Acceptance routing and validation logic with the revised NPCI limit while keeping domestic local acceptance limits separate — mixed limit logic can apply the wrong cap to cross-border or Global Acceptance flows.
- — UPI application operators must update user-facing and backend limit checks for Global Acceptance transactions before 31 May 2026 — stale app controls can show, initiate or block transactions using outdated limit assumptions.
Who is affected
- — Issuer banks handling UPI Global Acceptance
- — PSP banks routing UPI Global Acceptance transactions
- — UPI application operators
What to watch
- — Effective: 31 May 2026 — ₹2 lakh per-transaction and per-day limit starts for UPI Global Acceptance.