Digital payments are growing very fast in India, and UPI payments are becoming easier day by day. Now, a big change has been introduced to make UPI payments even simpler.
PhonePe has launched a new Biometric Authentication feature, which means users will no longer need to enter their UPI PIN again and again for every transaction.
With this feature, payments can be made using a fingerprint or face unlock. The company says this update will make payments faster, easier, and more secure.
Available for Transactions Up to Rs 5000
At present, this biometric feature can be used for UPI transactions up to Rs 5000. If the payment amount is more than Rs 5000, users will still need to enter their UPI PIN as before.
As digital payments continue to grow, this feature is seen as very important. It helps speed up transactions
and makes payments more convenient, especially for people who find it difficult to enter their PIN repeatedly or want to complete payments quickly.
For transactions above Rs 5000, entering the UPI PIN is still required for security reasons. This ensures that the digital payment system remains safe.
Benefits of PhonePe’s New Feature
This new feature allows users to approve payments through their smartphone’s fingerprint sensor or face recognition system. There is no need to type a four- or six-digit UPI PIN every time.
Users simply unlock their phone using their fingerprint or face, and the payment is completed instantly. According to the company, this provides a smooth one-touch payment experience and reduces delays during transactions.
When a payment is made, the PhonePe app connects with the phone’s security system to verify the fingerprint or face.
If the identity matches, the transaction is processed immediately. The company says this will reduce friction and make the payment process more seamless.
How Secure Is This New UPI Payment Method?
Biometric authentication is considered highly secure because it uses a person’s unique identity, such as their fingerprint or facial features. The biometric data is stored securely in the phone’s hardware and is not shared with any third party.
Because of this, the system is considered even more secure than using a regular PIN. Reports say that this feature is currently being rolled out for Android smartphone users. It may also become available for iPhone users in the future.
