UPI Payments: No Need to Enter PIN for Online Transactions on BHIM App

G GOWTHAM
In a significant update for digital payments in India, the BHIM UPI app has introduced a feature that allows users to make certain online payments without entering the UPI PIN, making transactions faster and more convenient.

What’s New?

  • Users can now authorize low-value transactions without entering the UPI PIN each time.
  • The update is part of efforts to streamline wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital payments while maintaining security through alternative authentication methods.
  • This feature is being rolled out to major banks and UPI-enabled apps.
How It Works

Set Up Trusted Devices: Users can link their mobile number and device to the BHIM app.

Enable Auto-Authentication: For transactions below a specified limit, the app allows PIN-less payments after initial verification.

Secure Authentication: Higher-value transactions or suspicious payments still require UPI PIN or OTP, ensuring security is not compromised.

Benefits for Users

  • Faster Payments: Eliminates the need to enter the PIN for small, everyday transactions.
  • Convenience: Ideal for frequent wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital purchases like online shopping, bill payments, and subscriptions.
  • Maintains Security: The system still monitors transaction patterns and triggers PIN verification if anything unusual occurs.
Things to Keep in Mind

  • Only transactions below the predefined limit are eligible for PIN-less payments.
  • Users must ensure their device and mobile number are secure to avoid unauthorized use.
  • The feature can be enabled or disabled in the BHIM app settings according to user preference.
Expert Advice

While this feature enhances convenience, experts advise users to remain cautious with their devices, keep apps updated, and avoid sharing authentication details to prevent fraud.

Conclusion

The BHIM app’s new PIN-less payment feature is a step towards faster, seamless wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital transactions in India. While small payments can now be made effortlessly, security remains a priority, ensuring users can transact safely and conveniently.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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