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Wire · regulatory

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

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. 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 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.

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Topics

Fintechupiindiafintechpayments-privacydata-protection