UPI Gets Its Most Useful Feature Yet: Make Payments Even If You've Forgotten Your PIN—Here's How..

If you rely on UPI to make payments, this news is for you. To make digital payments even more convenient, the NPCI has rolled out a highly practical feature. With its help, you can now make payments on the BHIM app without even entering your UPI PIN. The NPCI has introduced a new biometric authentication facility, allowing payments to be processed using fingerprint or facial recognition; however, transactions are capped at a maximum limit of ₹5,000. This feature is particularly beneficial for users who frequently forget their PINs. It is expected to make payments faster, easier, and more secure than ever before. Let's find out how you can utilize this feature.

What is the New Biometric Payment Feature?
First, let's understand exactly what this new biometric payment feature entails. NBSL, a subsidiary of the NPCI, has integrated a biometric authentication feature into the BHIM app. Under this system, users can now authorize payments using either their fingerprint or facial recognition. This facility applies to transactions amounting to ₹5,000 or less. In other words, you can complete payments of up to ₹5,000 using your fingerprint without needing to enter a PIN.

How ​​to Activate the Feature?
To utilize this facility, you must open the BHIM app and navigate to the 'Profile' section.
Once there, select your bank account and toggle on the 'Biometric Transaction' option.
Once activated, users can easily make payments using their fingerprint or face.
Please note that the maximum payment limit for this method is ₹5,000.
The process is straightforward and can be completed in just a few simple steps.

Why is it Beneficial for Users?
This feature proves particularly useful in situations where a user forgets their UPI PIN or enters it incorrectly. Consequently, the hassle of failed transactions is effectively eliminated. This update to the BHIM app simplifies everyday payment tasks, such as online shopping, scanning QR codes, and sending money to friends. This makes the digital payment experience smoother and more reliable.

What is Biometric Authentication?
Biometric authentication is a technology in which an individual's identity is verified based on biological traits, such as their fingerprint or face. In BHIM, this feature allows users to complete transactions without entering a PIN. This ensures security while also accelerating the process.

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