Check UPI -Payments now well with fingerprint, facial verification

Mumbai: The government is conducting fingerprint and facial approval from Unified Payments Interface (UPI) transactions to simplify digital payments and strengthen the verification. Users will now also have the option to verify transactions with fingerprints or facial recognition on their devices, and the need to enter the Personal Identification Number (PIN) by hand, eliminating, M. Nagaraju, Financial Services, announced Tuesday. Initially, such transactions will be limited to £ 5,000, and the limit will be reviewed later. Separately, Aadhaar-based face verification users will provide a new and safe way to set up or reset their PIN within UPI programs. Until now, to create an UPI PEN, you need to enter debit card details or go through Aadhaar once-time password (OTP) verification. The additional verification options are aimed at making payments faster and safer by reducing the need for repeated PIN entries. Each such transaction will be verified independently by the issuing bank using robust cryptographic checks. UPI applications and banks providing payment services will ensure that fresh consent is obtained “after each binding operation of the device before further transactions are allowed”, the NPCI said, citing the requirement of fresh approval to enable biometric verification each time a device is changed. Issuer banks will have to disable the biometric function for all UPI applications in the event of changes or UPI -Pen is rest, the NPCI said. If such transactions do not occur within 90 days, the client will be marked as inactive, and the UPI account will only be reactivated at the confirmation of the client. “By combining speed, security and use of use, biometric verification will be simpler and more reliable for millions of users, including those new in digital finance,” Anil Sinha, chief technology officer of the digital lending platform Fibe, told Mint. “It will reduce barriers in everyday payments, improve transactional luchting and make digital interactions more accessible and inclusive,” Sinha said, adding that an extra identity -verified layer by biometry ‘will strengthen confidence without adding complexity’. The UPI platform processed 19.63 billion transactions in September 2025 worth £ 24.9 trillion, according to the data from the National Payments Corporation of India. The amount of transactions was 1.9% lower month-on-month, but 31% higher-year-to-year. The value of UPI transactions was £ 24.85 trillion in August, 21% higher compared to the previous period. “The attempt by NPCI to enable biometric verification for UPI is an important step in making digital payments seamless and safe,” says Siddharth Mehta, co-founder of credit on the Upi platform Kiwi. “Replacing pins with face or fingerprint verification will make transactions faster, safer and more intuitive-especially for users of new credits.” Navi Upi, third -party (TPAP) application provider, said it was the first to scale biometric verification. Since verification takes place within the safe environment of the phone, personal data never leaves the device, making it one of the safest ways to pay, the company said in a statement. “The function aims to reduce failed transactions, improve the ease of use and provide stronger protection against phishing and social engineering risks,” it states. RBI concept changes The launch follows the central bank’s issuance of a draft framework last month, which instructs two-factor verification for all digital payments and encouraged the use of verification mechanisms beyond the most used SMS-based ATP. On Monday, the Razorpay pay system announced the launch of the country’s first biometric card verification, ACCESS CONTROL SERVER (ACS), in partnership with Yes Bank. The system will make immediate payments, eliminate OTP delays and deliver a smooth experience with one click, while paying payments, reduces banks failures and ensures higher business conversions, the company said. In India, 35% of payment errors are attributed to issues such as delayed or wrong OTPs, according to Razorpay. At the same time, digital payment fraud increases, with losses of more than £ 520 in FY25, according to RBI data.