If you are make digital payments, then their is a great news for you. The National Payments Corporation of India (NPCI) has taken a big step to protect digital data and privacy. NPCI has issued a strict directive ordering all UPI applications such as PhonePe, Google Pay, and Paytm along with partner banks, to mask customer mobile numbers across all transaction interfaces.
Big UPI Change
The main objective of NPCI to mask customer mobile numbers is to protect the mobile number and personal information of the customer, so that it cannot be misused in any way. It is worth noting that NPCI has already issued instructions to payment apps to hide the mobile number of the person. In such a situation, the full number of the person making a payment to an unknown person will no longer be visible.
Banks and digital payment service providers have been given a strict deadline until September 4, 2026, to update their network architectures and ensure total compliance across the UPI ecosystem. The core transaction experience will remain same. These changes will purely as a protective layer for your data privacy
Why was this Change Made?
Mobile numbers are generally used as the primary identifier for UPI payments. While this is for security reasons, it also poses a major privacy risk. Several complaints have been filed on social media by women users regarding identity and security. This is why NPCI is emphasizing on protecting information like mobile number and full name under the Data Protection Act.
Key Changes in UPI Apps
- Partial Number Hiding: During transactions and inside transaction history, apps will only display the last four digits of a customer’s registered mobile number e.g., ****1234.
- QR Code Privacy: For all QR code-based payments, the mobile number of the customer will completely disappear and will not be shown to the merchant or recipient after the transaction completes.
- Username Based UPI IDs: Instead of generating a mobile number-based Virtual Payment Address (VPA) by default like “1234567890@ybl”, applications must make username-based UPI IDs like “name@upi” the default setup for all new registrations.
- Broad Masking: The directive also requires stricter masking rules for other customer facing interfaces, ensuring UPI IDs and bank account numbers are partially hidden from plain view whenever appropriate.
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