NPCI is testing fingerprint and facial recognition as optional alternatives to PIN-based UPI payments.
Post-payment balance display, limited account info requests, and off-peak processing for recurring payments introduced.
Biometric login aims to reduce PIN fraud and make digital payments more accessible for seniors and less tech-savvy users.
National Payments Corporation of India (NPCI) is reportedly working on biometric authentication for UPI payments. The Unified Payments Interface (UPI) is likely to be able to authenticate transactions using biometric methods like fingerprint and facial recognition, offering an alternative to entering a traditional PIN. According to reports, the NPCI is actively working on the rollout of this feature.
SurveyCurrently, UPI apps such as Google Pay, PhonePe, Paytm, and BHIM require users to enter a four or 6-digit PIN to approve transactions. While this is an essential layer of security, the upcoming biometric option is expected to make the process faster and more user-friendly, especially for the elderly and those who struggle with PIN management. However, reports suggest that the biometric authentication will be offered as an optional feature, not a mandatory switch.
The update comes amid increasing concerns about PIN theft and fraud. Notably, UPI continues to dominate India’s digital payment landscape, accounting for over 80% of all digital transactions.
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Meanwhile, NPCI is also set to introduce a series of new rules starting August 1. Users will now automatically see their account balance after every successful UPI payment. While the number of balance inquiries will be limited, this will ensure better transparency. Additionally, recurring payments like OTT subscriptions, EMIs, and mutual fund investments will now be processed during non-traffic hours, either before 10 AM or after 9:30 PM, to reduce load during peak times.
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Furthermore, access to bank account details will be restricted, allowing users to retrieve linked bank account information up to 25 times per day. Besides, attempts to check payment status will also be limited to three, with a 90-second gap required between each attempt.
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Himani Jha
Himani Jha is a tech news writer at Digit. Passionate about smartphones and consumer technology, she has contributed to leading publications such as Times Network, Gadgets 360, and Hindustan Times Tech for the past five years. When not immersed in gadgets, she enjoys exploring the vibrant culinary scene, discovering new cafes and restaurants, and indulging in her love for fine literature and timeless music. View Full Profile
