2.2.10 India Payments - IMPS 2.8.5 Specification Changes

In accordance with NPCI technical specifications version 2.8.5, the following system updates have been implemented:

• For FIR transactions, the maximum character length for the Originator.Name and Beneficiary.Name elements in the ReqPay and ReqChkTxn APIs has been increased from 50 to 100 characters.
• The descriptions for payer MCC codes have been updated as follows:
  • MCC 6012: Cash pay in Domestic Money Transfer (DMT) initiated via Business Correspondents.
  • MCC 4814: Retail user initiating from Branch/Assisted mode.

The remitter’s mobile number is now validated to be between 10 and 15 digits, allowing support for foreign numbers (previously fixed at 12 digits).

Beneficiary mobile numbers must be exactly 12 digits, including the country code (91) followed by the 10-digit number; beneficiary banks are required to accept this format.

Beneficiary banks must return the credited account number in a masked format (only the last 4 digits visible, remaining digits replaced with 'X') in all successful transactions. Remitter banks must support this format in the acNum field of the RespPay and RespChkTxn APIs.

Default MCC codes 5414 and 5415 will now be used for credit card bill payments.

The Txn.note element has been made optional in the ReqPay, RespPay, ReqChkTxn, RespChkTxn, ReqHbt, and RespHbt APIs.