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UPI Outages and Status API Calls: NPCI’s Fix Plan

17 April 20251 min read
BANKING & FINANCEUPI Outages andStatus API Calls:NPCI’s Fix Plan17 April 2025safalsetu.com

Why in the news

After a run of disruptions to real-time payments on UPI, the NPCI and member banks started working on a lasting remedy.

Key facts

  • Cause identified: a very high frequency of “Check Transaction Status” requests from banks.
  • These calls overload the network and make it unstable.
  • The fourth outage in three weeks came on 12 April.
  • APIs allow secure, real-time communication between bank systems and the UPI network.

Options under discussion

OptionHow it works
Self-imposed limitsBanks restrict how many API calls they make
NPCI interventionNPCI blocks entities found misusing or over-calling the system
Monitoring mechanismTracking of status calls, built with major PSP banks

Next steps

  • NPCI and banks plan another meeting to review matters and settle on a course of action.
  • The aim is a stable, efficient and secure UPI network.

Exam angle

  • Operator of UPI: National Payments Corporation of India.
  • API: Application Programming Interface.
  • Problem call type: Transaction Status API.

Test yourself

1. What was linked to the recent UPI outages according to NPCI's findings?

Banks sent too many status check requests, overloading UPI.

2. Which body runs the UPI system and is seeking a lasting solution with banks?

The National Payments Corporation of India works with member banks.

3. Which option involves NPCI blocking entities for misuse during UPI outage discussions?

NPCI intervention could mean blocking entities making excessive calls.

This topic is part of Daily Current Affairs 17 April 2025 (21 topics).

All topics of the dayDay quizApril 2025

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