Face recognition and fingerprint recognition will be available for UPI payments starting October 8, 2025. This means that facial recognition and fingerprint recognition will now be used alongside PINs for money transactions.
UPI New Rule 2025: The National Payments Corporation of India (NPCI) has made a major change to the digital payment system. Under this change, face and fingerprint will be allowed to be used when using the Unified Payments Interface (UPI) from October 8, 2025. This means that, in addition to PINs, facial recognition and fingerprints will now be used for financial transactions.
Your biometric data will be combined with data linked to the Aadhaar system. UPI users can register their identity on their mobile phones, after which they will be authorized to make payments. This move is expected to make the digital payment process more secure and convenient.
How the Biometric Option Works
In this payment system, whenever you select the biometric option while making a UPI payment, the phone’s camera and fingerprint scanner will be activated. The scanned data will be matched with the Aadhaar database, and if all information is correct, your payment will be processed within seconds. Users’ biometric data will be stored encrypted on their phones.
Users can enable or disable this feature at any time. The National Payments Corporation of India (NPCI) is expected to demonstrate this system at the Global FinTech Festival in Mumbai. However, no official statement has been issued yet. This feature will benefit those who frequently forget their UPI PIN.
RBI has issued guidelines
The guidelines issued by the RBI state that these changes are being made to enhance security and innovation in the banking system. The RBI stated that the current PIN system has some vulnerabilities. Many UPI users suffer financial losses due to PIN theft or phishing. Biometric changes have been made with this in mind. Every person’s face and fingerprint are unique. This will make it nearly impossible for fraudsters to hack the system. Furthermore, this feature will make digital transactions even faster and more secure than before.
