No More Typing PINs! Approve Upi Payments With Your Face or Fingerprint
From 8 October, you can approve your UPI payment with more ease. So, how do you use it, and are there any privacy concerns? Learn more.
Hate typing in the UPI PIN when you're making an urgent payment? Of course, many have been there with trembling hands and typing in the wrong PIN under stress. Here's the latest update, which brings good news. Now you can make UPI payments using your face or fingerprints, in addition to a PIN. This update will take effect on October 8, 2025. So, what do you need to know more about this? Learn more.
Who’s Behind This Big Update?
The National Payments Corporation of India (NPCI) is the organisation behind UPI in India. It has introduced this feature. More importantly, the update has come to light in order to showcase a new biometric payment feature at the Global Fintech Festival in Mumbai. This is a two-day event from 7 October to 9 October. It's one of the leading fintech festivals in the world.
Why This Change Now?
In recent times, the Reserve Bank of India (RBI) approved new ways to confirm digital payments. And up until now, UPI transactions were done via entering a 4- or 6-digit PIN to complete payment. Face recognition and fingerprint authentication are part of RIB's approval.
How Does It Work?
Many wonder with this question: how does it work? Well, for this biometric authentication to work, you'll need your Aadhaar data. So, the Aadhaar data already contains your fingerprint and facial recognition details. Note: It's more of an official authentication with Aadhaara rather than the normal phone facial recognition and fingerprint.
To make any UPI payment, you can verify your identity by scanning your face or fingerprint, instead of typing a PIN.
Is This Safe?
- Yes, because the process relies on your unique biological traits (fingerprint and face data), and it's hard to fake.
- The privacy concerns are limited to zero as Aadhaar officially handles the process.
- Aadhaar data is encrypted, meaning they are not shared directly with any payment app as the data is stored securely by UIDAI.
- Moreover, it prevents PIN theft, so others cannot peek at your screen.
However, don't share sensitive information with anyone and use only official UPI apps, such as PhonePe, GPay, Paytm, etc.
Note: If there’s any technical issue with the Aadhaar services, facial recognition and fingerprint authentication may be delayed.
Adepu Bindu
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