In a game-changing move for India’s booming digital economy, the Unified Payments Interface (UPI) launches biometric authentication today, October 8, 2025. Users can now approve UPI payments using just their face or fingerprint—without the PIN. This upgrade, powered by Aadhaar data, promises quicker, safer transactions for over 400 million monthly users. The National Payments Corporation of India (NPCI) unveils the feature at the Global Fintech Festival in Mumbai. It makes UPI without PIN a reality and boosts financial inclusion across urban and rural India. So, read ahead to know everything about this new update.
How UPI Payment Without PIN Works?
NPCI introduces this seamless system to replace traditional UPI PIN entry, leveraging India’s vast Aadhaar database for verification. Here’s what users need to know about how the UPI payment will work without the PIN:
Also Read: What is UPI Circle? Set it Up in GooglePay, PhonePe and Paytm
- Facial Recognition and Fingerprint Scans: Initiate a UPI payment on your app, then scan your face or finger on supported devices like smartphones for instant approval.
- Aadhaar Integration: The system pulls secure biometric data—fingerprints, iris, or facial features—from your unique Aadhaar ID, ensuring it’s tied to your identity.
- Device Compatibility: Works on Android and iOS devices with biometric sensors; no extra hardware needed.
- RBI Backing: The UPI without PIN system follows the Reserve Bank of India’s recent guidelines that greenlight alternative methods beyond PINs, sparking innovation in fintech.
This setup cuts transaction time from seconds of PIN typing to a quick scan, ideal for busy shoppers and on-the-go payments.
Boosting Security And Inclusion
Biometric UPI without PIN slashes fraud risks, as experts hail it a “redefinition of convenience.” Rohit Mahajan, Founder of plutos ONE, tells The Economic Times that it empowers seniors and rural folks who struggle with passwords, drawing millions into digital payments. Unlike stealable UPI PINs, biometrics are tough to fake, promising virtually frictionless and secure UPI transactions.
Yet, rollout success hinges on robust privacy. Mahajan stresses user consent, encryption, and safeguards against data breaches, given Aadhaar’s role. Banks and apps must prioritise these to build trust. As UPI handles billions in volume yearly, this biometric leap cements India’s lead in global fintech—watch for wider adoption soon. Stay tuned to know about the success of doing UPI payments without PIN.
Are you still browsing through your broken screen? Don’t worry! Book at-home mobile phone screen repair with Cashify—an affordable and one-stop destination for all your mobile phone needs. In case you break your screen within 1 month of repair, we will replace your screen again—for FREE.
