How each claim on this domain was checked
Two institutions publish the facts used here, and both were read directly rather than through anyone’s summary of them.
- The two primary sources
- The exact instrument behind the deadlines
- How the missing daily figure was established
- What is cited by title only
- Why dates are attached to everything
The two primary sources
NPCI, for the per-transaction tiers, the behaviour of a decline, the meaning of a pending payment and the first step of a complaint. The Reserve Bank of India, for the deadlines on reversing a failed payment and for the compensation owed after them.
The exact instrument behind the deadlines
Circular RBI/2019-20/67, reference DPSS.CO.PD No.629/02.01.014/2019-20, dated 20 September 2019, on harmonisation of turn around time and customer compensation for failed transactions. Its UPI rows set T+1 for a transfer, T+5 for a merchant payment, and Rs 100 per day of delay beyond either.
How the missing daily figure was established
By reading all of the questions NPCI publishes about UPI rather than searching for one. A rupee figure per day appears in exactly one place across them, and that place is UPI 123PAY. The absence elsewhere is a finding, not an omission on this site.
What is cited by title only
The NPCI circulars themselves. Their index page lists the titles, including the two lakh tier, the five lakh tier and the revision of limits by merchant and transaction type, but the documents are not open to automated reading. Titles are quoted; contents are not paraphrased.
Why dates are attached to everything
Because a tier moves by circular and a compensation rule moves by notification, and neither arrives with a press release aimed at the public. Every figure here carries 17 September 2026 as the day it was read.
Checked against the source
Now check the operator against its own published cashier terms.