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Wire · regulatory

NPCI plans to mask phone numbers on UPI apps to boost user privacy

29 July 2026 · By · Wire by Fusion42

Published

29 July 2026

Topic

regulatory

◆ Sectors

Fintech

◆ Geography

India

◆ Source

Read at business-standard.com →

◆ Verified

Fusion42 · 29 July 2026 · Fusion42 review

India's National Payments Corporation (NPCI) has instructed UPI apps to mask user phone numbers during transactions and shift to username-based IDs by September 4. The move aims to enhance user privacy and safety, aligning with the country's Digital Personal Data Protection 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 numbers are no longer the default user identifier on India's UPI network, breaking any user flow that relies on them. You need to re-architect your onboarding and payment confirmation flows around username-based IDs before the September deadline.

◆ Coverage

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

◆ Related on Wire

◆ Topics

Fintechupiindiafintechpayments-privacydata-protection