Biometric authentication: National Payments Corporation of India (NPCI) has launched several new features on 7 October 2025 with the aim of further improving the user experience. Under this initiative, additional authentication options have been introduced to make UPI transactions secure and simple. NPCI said that these new features give users more choice and security while making payments, which will make it even easier to adopt digital payments.
New biometric authentication feature
In the new feature, users of UPI apps like Google Pay, PhonePe, Paytm etc. will get the option to use on-device biometric technology like fingerprint or face recognition in place of their traditional UPI PIN. At present this facility is available for transactions up to Rs 5,000. NPCI said that in future this limit may be increased or adjusted based on user feedback and performance. This feature is optional, meaning users can still continue using their old UPI PIN or other traditional payment options.
Security and technical requirements
Biometric authentication will not be available on jailbroken or rooted devices.
The UPI app and PSP banks must enable biometric authentication only after obtaining the explicit consent of the customer and provide an option to disable it at any time.
Fresh customer consent will be required before transactions can be made on any new device.
Instructions for banks and apps
Eligibility Check: Customer eligibility and authentication credentials must be confirmed before enabling biometrics.
Customer Communication: Biometric enablement and providing correct information and instructions to customers during the transaction process will be essential.
PIN Change: If the customer changes or resets his UPI PIN, the Bank must disable biometric authentication across all apps. The transaction will not be accepted until the customer gives fresh consent.
Inactivity Rules: If the biometric method is not used for 90 days, the apps and banks will deactivate it. Customer confirmation will be required to reactivate it.
Benefits to users
With this new initiative, UPI payments will become more secure, faster and convenient. Through biometric authentication, users will be able to make payments without entering the PIN, which will make the digital transaction experience seamless. NPCI also aims to extend this facility to larger transactions in future.
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