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

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. Wire is Fusion42's founder-focused intelligence feed: each story is connected to the funds and startups it names — every one with a live profile on Raise or Scout — so founders can follow the capital and the momentum behind the headline rather than just the headline itself. Wire analysis is one of the live surfaces Arthur reasons over.

◆ 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.

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Topics

Fintechupiindiafintechdata-privacypayments