BHIM App Introduces Biometric Authentication for UPI Payments Up to Rs 5,000
NPCI Subsidiary Rolls Out Fingerprint and Face Unlock Feature
New Delhi, March 24: NPCI BHIM Services Limited (NBSL), a wholly owned subsidiary of the National Payments Corporation of India (NPCI), has introduced a biometric authentication feature for UPI payments on the BHIM Payments App.The newly launched feature enables users to approve transactions of up to Rs 5,000 using their smartphone’s fingerprint or facial recognition, aiming to make digital payments faster and more convenient.
No Need for UPI PIN in Small Transactions
With this update, users will no longer need to enter their UPI PIN for every low-value transaction. The move is expected to reduce failed payments caused by forgotten or incorrectly entered PINs, thereby improving the overall user experience.The biometric authentication option can be used across a range of everyday transactions, including sending money to friends and family, scanning merchant QR codes, and making online payments.
Focus on Simplicity, Security, and Accessibility
Commenting on the development, Lalitha Nataraj, MD and CEO of NBSL, said the initiative is aimed at making digital payments simple, secure, and accessible.She stated that biometric authentication simplifies everyday transactions while maintaining strong security, as payments remain directly linked to the user through their fingerprint or facial identity.
Nataraj added that enabling users to confirm transactions through biometric verification reduces reliance on PIN entry while ensuring payments stay securely tied to the individual user.
Enhanced Security with Device-Based Biometric Storage
The feature also strengthens security by keeping biometric data such as fingerprints and facial recognition securely stored on the user’s device. This reduces risks associated with PIN sharing or misuse.However, for transactions exceeding Rs 5,000, users will still be required to enter their UPI PIN, providing an additional layer of protection for higher-value payments.
Availability Across Devices
The biometric authentication feature is currently available on both Android and iOS devices that support fingerprint or facial recognition, expanding its accessibility to a wide base of users.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
The information provided is for general informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any securities. Readers are advised to rely on their own assessment and judgment and consult appropriate financial advisers, if required, before taking any investment-related decisions.
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