New Delhi, May 18 -- Unified Payments Interface (UPI) remains the most preferred mode of payment in India for its speed, convenience and wide acceptance across merchants and individuals. Its share in digital transactions rose from 65% in 2024 to 67% in 2025, according to the How India Pays 2025-26 report by Phi Commerce, showing the growing dependence on instant bank-to-bank transfers.

As more people have used digital payments and instant money transfers over the last few years, cases of UPI IDs and bank accounts getting blocked over suspected cybercrime links have also emerged. In certain cases, it is possible that a particular user may have no involvement in any fraud, yet they find their UPI services suspended or accounts frozen after...