India’s Unified Payments Interface (UPI) is stepping into a new phase of digital evolution. From October 8, users can authorise transactions without entering a PIN - using just their face or fingerprint. The Aadhaar-based biometric authentication system, launched by the National Payments Corporation of India (NPCI), promises faster and more secure digital payments.

How the system works

Under the new framework, UPI will use biometric data already linked to Aadhaar, including fingerprints, iris scans, and facial recognition. Users can now approve transactions by scanning their fingerprint or showing their face on supported devices, eliminating the need for numeric PINs.

This feature was introduced during the Global Fintech Festival in Mumbai, where NPCI showcased the innovation as part of

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