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Wire · regulatory

Your UPI payments could soon be more private; NPCI plans to mask phone numbers on UPI apps

29 July 2026 · By · Wire by Fusion42

Published

29 July 2026

Topic

regulatory

◆ Sectors

Fintech

◆ Geography

India

◆ Source

Read at businesstoday.in →

◆ Verified

Fusion42 · 29 July 2026 · Fusion42 review

The National Payments Corporation of India (NPCI) has instructed UPI apps and banks to mask user phone numbers by September 4, 2026. This move aims to enhance user privacy and align the UPI system with India's Digital Personal Data Protection (DPDP) Act.

This Wire brief sits within Fusion42's coverage of Fintech, and 4 sources have reported it between 28 Jul 2026 and 29 Jul 2026.

◆ ◆ The Wire takeaway

Phone number-based user identification on India's UPI network is being deprecated. Any workflow you've built that scrapes phone numbers from payment data will break by the 4 September deadline, so you must switch to UPI IDs now.

◆ Coverage

4 sources · first reported 28 Jul 2026 · latest 29 Jul 2026

◆ Related on Wire

◆ Topics

Fintechupiindiafintechdata-privacypayments