BHIM App Introduces Biometric Authentication for UPI Payments up to ₹5,000

BHIM App Introduces Biometric Authentication for UPI Payments up to ₹5,000

NPCI BHIM Services Limited (NBSL), a wholly-owned subsidiary of the National Payments Corporation of India (NPCI), has formally launched biometric authentication for its BHIM Payments App.

Available for each iOS and Android devices, the new feature permits customers to approve Unified Payments Interface (UPI) transactions utilizing their smartphone’s built-in fingerprint or facial recognition technology. The biometric approval is capped at transactions up to ₹5,000, and is particularly designed to make on a regular basis funds—such as sending cash to pals, scanning service provider QR codes, and finishing on-line purchases—faster, less complicated, and more safe.

Solving the PIN Problem

By enabling biometric approvals, BHIM goals to considerably cut back the friction related to manually getting into a UPI PIN for every single transaction. This is especially helpful in high-paced conditions the place customers would possibly overlook their PIN or enter it incorrectly, which often leads to failed funds and consumer frustration.

Executive Insight

Lalitha Nataraj, MD & CEO, NBSL

Lalitha Nataraj, MD & CEO of NBSL, highlighted the company’s ongoing deal with user-centric design and accessibility.

“BHIM Payments App has always focused on making digital payments simple, secure and accessible for every Indian,” Nataraj said. “With biometric authentication, we are making everyday payments easier while strengthening trust in how they are approved.”

Nataraj added: “By enabling users to confirm transactions through their fingerprint or face unlock, we are reducing reliance on PIN entry while keeping payments closely tied to the user. This is another step towards building a seamless and dependable digital payments experience for millions of Indians.”

Enhanced Security and Implementation

Beyond comfort, biometric authentication provides a sturdy layer of safety to the cost experience. Because fingerprints and facial data are solely distinctive to each particular person and are saved regionally on the consumer’s device, funds stay carefully linked to the consumer’s verified identification. This successfully mitigates frequent dangers such as PIN sharing, shoulder browsing, or incorrect entry.

To keep most safety for higher-value transfers, transactions exceeding the ₹5,000 threshold will continue to require conventional UPI PIN authentication.

To allow the new feature, customers can observe a simple setup course of within the app:

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