PhonePe Introduces Biometric UPI Payments Up to ₹5,000

PhonePe has launched a biometric authentication option for UPI payments, allowing users to approve transactions of up to ₹5,000 using their device’s fingerprint scanner or facial recognition feature. 

Biometric UPI Payments Up to ₹5,000 

The new feature removes the need to enter a UPI PIN for qualifying transactions, offering a one touch payment experience.  

It complies with existing regulatory guidelines that permit biometric verification as a 2-factor method for amounts not exceeding ₹5,000. Payments above this limit continue to require the traditional PIN entry. 

Supported Use Cases 

Biometric approval can be used for sending money to contacts, scanning QR codes at retail outlets, making online purchases, and checking bank balances.  

By authenticating at the device level, the process reduces the risk of PIN exposure in crowded environments and may lower transaction failures caused by incorrect PIN entry. 

Read More: In-Solutions Global Gets RBI Approval for Online, Offline and Cross-Border Payment Aggregation! 

How to Enable Biometric Payments 

To activate the feature, open the PhonePe app, go to Profile, select Manage Payments, tap Biometric Pay and enable biometric authentication for the desired bank account.  

A one‑time setup requires the user’s UPI PIN followed by biometric verification. The functionality is currently available for Android devices that support fingerprint or face recognition, with an iOS rollout expected shortly. 

Conclusion 

PhonePe’s biometric UPI payment option provides a faster and potentially more secure method for transactions up to ₹5,000 on supported Android devices, while retaining PIN verification for higher amounts. 

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