No More PIN? BHIM App Rolls Out Biometric Authentication For Faster And Secure UPI Payments

NPCI BHIM Services Limited (NBSL), a subsidiary of the National Payments Corporation of India, has introduced a new feature that allows users to make UPI payments using biometric authentication on the BHIM Payments App.

With this update, users can approve transactions of up to ₹5,000 using their smartphone's fingerprint or facial recognition, making payments quicker and more convenient.

No Need to Enter UPI PIN Every Time

One of the biggest advantages of this feature is that users no longer need to enter their UPI PIN for every transaction within the limit.

This is especially helpful for people who:

• Forget their PIN
• Enter incorrect PINs leading to failed payments
• Want a faster checkout experience

The feature is designed to make digital payments smooth and user-friendly for everyday use.

Where Can You Use This Feature?

Biometric authentication can be used across multiple types of transactions, including:

• Sending money to friends and family
• Scanning merchant QR codes
• Making online payments

This ensures that users can enjoy a seamless payment experience across different situations.

Added Security for Users

The introduction of biometrics also strengthens security. Since fingerprints and facial data are unique to each individual and stored securely on the device, the chances of misuse are reduced.

This means:

• No risk of PIN sharing
• Lower chances of incorrect entries
• Stronger identity-based verification

However, for transactions above ₹5,000, users will still need to enter their UPI PIN, adding an extra layer of protection for higher-value payments.

Availability Across Devices

The feature is currently available on both:

• Android devices
• iOS devices

Users must have smartphones that support fingerprint or facial recognition to use this option.

How to Enable Biometric Authentication on BHIM App

Users can easily activate this feature by following these steps:

• Open the BHIM Payments App
• Go to the Profile section
• Select your bank account
• Enable Biometric Transactions
• Start making payments up to ₹5,000 using your fingerprint or face

A Step Towards Smarter Digital Payments

This move is part of NPCI's efforts to make digital payments in India more secure, accessible, and efficient. By reducing dependence on PINs and introducing biometric verification, the BHIM app aims to improve the overall user experience.

The launch of biometric authentication on the BHIM app marks a significant step in simplifying UPI payments. With faster transactions, improved security, and ease of use, this feature is expected to make digital payments more convenient for millions of users across India.