Paytm has introduced a major upgrade to its payments ecosystem by enabling biometric authentication and cardless ATM withdrawals, reinforcing its commitment to secure and seamless digital transactions. The move brings Face ID and fingerprint-based verification into everyday UPI usage, reducing reliance on PIN-based authentication.
With this enhancement, users can now authenticate payments, check balances, and even withdraw cash using their smartphone’s built-in biometric features. Importantly, the authentication happens directly on the device, ensuring that no biometric data is stored or accessed by Paytm or banks, thereby maintaining strong privacy safeguards.
In line with NPCI guidelines, biometric UPI payments will initially support transactions up to ₹5,000 per transaction, while continuing to offer UPI PIN as an alternative for user flexibility.
A key highlight is the introduction of cardless ATM withdrawals via UPI. Users can withdraw cash by scanning a QR code displayed on supported ATMs using the Paytm app. The transaction is then authenticated using Face ID, fingerprint, or UPI PIN, eliminating the need for physical debit or ATM cards.
This feature supports withdrawals typically up to ₹10,000 per transaction, depending on bank-specific limits, and allows users to select from multiple linked bank accounts.
The initiative addresses growing concerns around card fraud, skimming, and PIN compromise, while improving user convenience. It also reflects a broader industry shift toward device-based authentication and frictionless payments.
With these advancements, Paytm continues to position itself at the forefront of India’s digital payments ecosystem—driving security, accessibility, and trust for millions of users and businesses.
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