The National Payments Corporation of India (NPCI) on December 19, 2023, introduced UPI TAP & PAY mode of payment.
The following has been stated:
• The UPI APPs shall ensure to provide the Tap & Pay mode of payment only through mobile devices having NFC (near field communication) capability.
• The UPI APPs shall take permission from the customer to enable NFC (near field communication) for Tap and pay transactions.
• The UPI Apps shall provide a separate call to action button for Tap & Pay mode on the homepage.
• It states that on Tap, the transaction amount of Rs.500 and less will be processed through a UPI LITE account, if enabled by the user, if not, then the transaction shall be processed with a UPI PIN. UPI APPs are recommended to have the App passcode, biometrics, or pattern-based lock in the case of UPI LITE.
• It states that on Tap, a transaction amount of more than Rs.500 will need a UPI PIN and will be processed online.
For further details, kindly refer to the document attached.
[Notification No NPCl/UP1/0C No.186/2023-24]
