UPI Payments Now 2X Faster With PhonePe, Google Pay, Paytm, More: Here’s How

If you use apps like PhonePe, Google Pay, or Paytm for everyday payments, there’s good news. UPI transactions just got a speed boost. Thanks to new guidelines by the National Payments Corporation of India (NPCI), you’ll now experience faster payment processing across all major UPI platforms.

So far, UPI transactions could take up to 30 seconds to complete. From today, the same process will take just around 15 seconds. That means whether you’re paying a friend or making a purchase, the confirmation should arrive twice as fast.

Quicker Updates on Transaction Status

Along with faster payments, the time it takes to confirm whether a transaction succeeded or failed has also been shortened. Previously, if a transaction was stuck or delayed, users had to wait up to 30 seconds or more to know what happened. Now, the confirmation will come through in just 10 seconds.

So, if your payment fails or doesn’t go through, you won’t have to keep checking or guessing what happened. The system will update you faster, reducing confusion and stress.

To make this happen, NPCI has also made technical improvements. Earlier, apps had to wait 90 seconds before they could check on a pending transaction. Now, they can start checking between 45 and 60 seconds, which means quicker resolution of stuck or failed payments.

Also, if a payment doesn’t even reach the UPI system—for example, due to a poor internet connection—the system will automatically mark it as failed. This avoids unnecessary checks and waiting.

Each app or bank can now check a transaction’s status up to three times within a two-hour window. This helps prevent overload and keeps the system running smoothly.

In simple terms, your UPI payment experience just became quicker and more reliable. Whether you’re paying at a shop, sending money to someone, or splitting a bill, the process will now feel smoother—with less waiting and more clarity.