The feature, available on both iOS and Android devices with biometric capabilities, enables users to run transactions without needing to enter a UPI PIN for lower-value payments. It aims to streamline everyday transactions while upholding security standards within the UPI framework.
The company states that the biometric option can be utilized for various applications, such as peer-to-peer transfers, merchant QR payments, and online shopping. For transactions exceeding ₹5,000, PIN authentication will still be necessary.
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This initiative is anticipated to lower the frequency of failed transactions due to incorrect or forgotten PIN entries, enhancing the overall payment experience. Users can activate the feature via the app’s profile settings by enabling biometric transactions for their linked bank account.
NBSL has stated that biometric authentication offers an extra layer of security since fingerprint and facial data are unique to users and stored locally on their devices. This helps reduce risks related to PIN sharing or entry mistakes.
This advancement comes as digital payments in India continue to progress, with platforms rolling out features designed to improve convenience while ensuring user protection.
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