UPI New Security Rules 2026: To make UPI payments even more secure, the government has activated features like biometric and name verification starting this month. You don't need to enable any settings; they will automatically activate from the backend. All you need to do is keep your payment and banking apps updated. Additionally, you can enable certain additional settings to prevent UPI fraud.

How to Prevent UPI Fraud: Amidst the increasing cases of digital fraud, several major changes have been made to payments made through UPI starting June 2026. The government's focus is to make online payments more secure and fraud-free. In light of this, simply entering a PIN will no longer be sufficient for making UPI payments. Biometric authentication, such as fingerprint or face ID, will now be used in addition to the PIN for online payments. However, this will be required for high-value payments. This is being done to prevent someone from surreptitiously withdrawing money from your phone by figuring out your UPI PIN.

Furthermore, starting this month, when making UPI payments, you will see the other person's name as soon as you enter their number. These changes are being made solely to make UPI payments even more secure. It is worth noting that all these changes will be implemented from the backend and for this you will not need to turn on any separate setting, but to make UPI payments secure, you can keep some settings on along with keeping important things in mind.

UPI security increased in June

Starting this month, the government has incorporated several security features to make UPI payments safer. These include displaying the recipient's name upon payment and using biometric authentication in addition to a PIN for large online payments. For biometric authentication, users can use their phone's fingerprint or Face ID feature. Furthermore, there are some precautions and settings that can help protect yourself from UPI fraud.

Take these precautions while making UPI payments

The government is constantly striving to make your UPI payments fraud-free and secure. If you take some necessary precautions, your chances of UPI fraud are significantly reduced. To do this, you can:

1. You can use banking apps instead of payment apps for UPI payments . This way, if you are scammed, you'll be able to get better help directly from your bank.
2. Starting this month, when making a payment, you will see the person's name after entering the number. Therefore, you should only make any payment after verifying the name.
3. Never enter your PIN to receive money. Most scams use this tactic, where you're asked to enter your PIN under the pretense of sending money. Keep in mind that the PIN is only entered when sending money.
4. Keep the app you are using for UPI payments updated.
5. Avoid scanning unknown QR codes. These can steal your personal information and may even lead to UPI fraud.

Keep these settings on

1. Keep your biometric lock on both your phone and your UPI apps. This will prevent anyone from using your phone or payment apps on your behalf.
2. Keep payment apps hidden. Every phone has a hidden folder for apps , which is locked with a separate PIN for added security. Keeping payment or banking apps in this folder reduces the risk of fraud.
3. Keep notifications for payment and banking apps turned on. Set a separate notification ringtone for these apps in your phone's settings. This will ensure you always know when you receive a notification from a banking or payment app.
4. To be safe, set a maximum daily transfer limit in your banking app. This can help limit losses if you are scammed.
5. If you are not travelling abroad, keep international payments and international UPI transactions through banking apps turned off.

PC:NBT