The National Payments Corporation of India (NPCI) is introducing an important change to make UPI more transparent, secure, and user-friendly, starting December 31, 2025.
With this update, users will be able to view and manage all their transactions, including auto payments, from any UPI app, even if the payments were made on another app.
Easier Financial Planning with Unified Auto Payment Tracking
All UPI apps and payment service providers (PSPs) must implement this feature by December 31.
his means that whether your transactions are on Google Pay, PhonePe, Paytm, or any other UPI app, you can now track and manage them in a single app.
This will make financial planning and monitoring auto payments much easier.
Smooth Transaction Porting Between Apps
This feature also allows users to transfer their transactions from one app to another. So, if you decide to switch apps, you won’t need to reset your auto-debit settings.
NPCI has clarified that users will have full control over this process. There will be no cashback, notifications, or discounts to encourage switching apps—it will be completely optional.
New Guidelines for UPI and Banking Apps
All UPI and banking apps must now create a dedicated section called “Manage Bank Account” or “UPI OTP”, where users can view and port their transactions.
Apps must also ensure that user information remains fully secure and confidential, and transaction data will not be misused.
Enhanced Security with Face and Biometric Authentication
To improve UPI security, NPCI has introduced new authentication features. Users can now use face authentication while setting or resetting their UPI PIN.
Additionally, fingerprint or face authentication on mobile devices can be used for transactions up to ₹5,000.
This feature not only speeds up transactions but also provides better protection for user data. The transaction limit may be increased in the future.
