US EditionUPI Payments with Face or Fingerprint, No PIN Needed From Oct 8: Story in 5 Points
NPCI's biometric authentication for UPI payments replaces PINs with face or fingerprint scans to reduce fraud and simplify transactions for millions of users, officials said.
- From October 8, 2025, the National Payments Corporation of India will enable Unified Payments Interface users to authenticate payments via face or fingerprint scans, unveiled at the Global Fintech Festival, Mumbai on October 7, 2025.
- Regulators' concern about PIN-related scams prompted the move after the Reserve Bank of India recently allowed alternative methods following an initiative started three years ago.
- Using Aadhaar-linked biometrics, the system authenticates fingerprints and facial data on-device, while issuing banks verify transactions cryptographically and the biometric option remains optional.
- The change should speed and secure payments, improving access for senior citizens and rural users as Unified Payments Interface handles around 20 billion transactions per month worth over Rs 25 trillion.
- Beyond phones, NPCI has introduced wearable payments via UPI Lite, enabling small-value transactions on wearable smart glasses with voice-command payments, while India’s national adoption stands at 87% versus 67% globally.
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NPCI Digital Payment: In that case, payment can be made using biometrics data.
UPI payments with face or fingerprint, no PIN needed from Oct 8: Story in 5 points
India is set to launch biometric authentication for Unified Payments Interface (UPI) transactions, allowing users to approve payments via facial recognition and fingerprints instead of the traditional PIN system. The rollout, beginning October 8, leverages biometric data linked to Aadhaar. This initiative, in line with Reserve Bank of India guidance, is expected to improve security, convenience, and digital inclusion.
NPCI Introduces Biometric Authentication for UPI Payments, Replacing PINs with Fingerprint and Face ID ~ My Mobile India
Highlights NPCI now allows users to approve UPI transactions using fingerprint or Face ID. Biometric verification simplifies UPI setup and can also be used for ATM withdrawals, PIN resets. NPCI’s move enhances fraud protection using device-level cryptographic checks and bank-side verification. Caption – Now UPI transactions can be done with fingerprint or Face ID. (Image […] The post NPCI Introduces Biometric Authentication for UPI Payments, Rep…
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