UPI High-Frequency Transactions: Suitable Options for Personal Accounts?

[Muneer Muhammad M M]

Hello everyone,


I am engaged in online trading on a regular basis and rely heavily on UPI for both collections and payouts. On average, I handle around 20+ incoming transactions and 10+ outgoing transactions per day. The total daily transaction volume does not exceed ₹30,000.

I would like to continue using UPI in this way on a long-term basis. At the same time, I do not require any payment gateway or GST-related account — I am only looking for practical solutions suitable for personal accounts.


I would like to continue using UPI in this way on a long-term basis, and I am seeking expert advice:

• Is a personal bank account suitable for this kind of high-frequency UPI activity?
• Are there better options, account types, or banking products that can support such usage without frequent restrictions or risk controls?
• Could anyone share practical experiences or suggestions to optimize this setup?
  
  
  👉 If you have any reliable solutions, please feel free to contact me directly. I am willing to pay cash as a reward for valuable guidance.
  
  Looking forward to your insights and guidance. Thank you! 🙏

 

[Anupama_Jha]

Is a personal bank account suitable for this kind of high-frequency UPI activity?

Definitely not, it’s just a matter of a time until your account gets flagged.

• Are there better options, account types, or banking products that can support such usage without frequent restrictions or risk controls?

Depends upon your business nature, current or escrow account is recommended.

 

[Muneer Muhammad M M]

Definitely not, it’s just a matter of a time until your account gets flagged.

Depends upon your business nature, current or escrow account is recommended.

I tried linking my personal current account to the BHIM SBI Pay app and used its UPI feature for both collections and payouts. For the first two days, transactions went through smoothly, but afterwards it became almost impossible to complete any transaction — sometimes even a ₹1 transfer would fail.

This shows that the setup does not support my long-term, high-frequency usage requirements.