The National Payments Corporation of India (NPCI) issued an Operating Circular on October 8, 2025, authorizing the use of IoT devices and software for delegated payments (i.e. payments executed by a UPI user on other users' behalf) within the UPI ecosystem.
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/thought-leadership
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https://www.khaitanco.com/sites/default/files/2025-11/ERGO%20-%20Enabling%20Agentic%20Payments%20%20on%20UPI%20Rails%20-%2020%20November%202025.pdf
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