Synopsis: Starting October 8, UPI payments in India will allow authentication via facial recognition and fingerprints using Aadhaar-based biometrics, replacing the traditional numeric PIN method. The NPCI will showcase the new feature at the Global Fintech Festival in Mumbai.
New Biometric Authentication for UPI
India will soon enable users to authenticate Unified Payments Interface (UPI) transactions using facial recognition and fingerprints. This new facility will be effective from October 8, three sources familiar with the development confirmed.
How It Works
Instead of entering a numeric PIN, users will be able to approve payments using biometric data stored in Aadhaar, India’s unique identification system. This marks a major shift in payment authentication, making transactions faster and more secure.
Why the Change?
- The Reserve Bank of India (RBI) recently permitted alternative authentication methods for digital payments.
- This move aims to enhance security and convenience for millions of UPI users.
- Biometric approval reduces dependency on remembering PINs and lowers the risk of fraud.
PIN vs Biometric Authentication
| Feature | Current Method: PIN | New Method: Biometric (Face/Fingerprint) |
|---|---|---|
| Authentication Type | 4 or 6-digit UPI PIN | Facial recognition or fingerprint scan |
| Based On | Password memorization | Aadhaar-linked biometric data |
| Ease of Use | Need to enter PIN each time | One-touch authentication |
| Security | Prone to PIN leaks & shoulder surfing | Difficult to replicate biometrics, more secure |
| Availability | Currently active nationwide | Launching October 8, 2025 |
NPCI’s Role
The National Payments Corporation of India (NPCI), which operates the UPI system, is leading this rollout. According to reports, NPCI plans to demonstrate the biometric feature at the Global Fintech Festival in Mumbai this week.
Official Comments
While NPCI has yet to issue an official statement, insiders say the rollout is in line with the government’s broader push towards secure digital payments and Aadhaar-enabled services.
📌 Key Takeaway
From October 8, users will be able to authenticate UPI payments using facial and fingerprint biometrics. Backed by Aadhaar, this move promises faster, safer, and PIN-free transactions.
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