- On-device biometric authentication also supports RuPay Credit Card on UPI transactions, delivering a faster, secure and seamless payment experience.
UPI on-device biometric authentication-based payments accounted for over 611 million transactions in June 2026, with a total transaction value of ₹25,416 crore, reflecting strong adoption across everyday payment use cases. The feature enables users to authorise UPI payments using smartphone’s fingerprint or facial recognition.
UPI users are increasingly adopting biometric-based authentication for everyday payments, marking a significant shift towards faster, simpler and more intuitive digital payment experiences. The feature supports both Person-to-Person (P2P) and Person-to-Merchant (P2M) payments, making routine payments quicker and more seamless for users.
Biometric authentication is also available for RuPay Credit Card on UPI transactions, enabling PIN-free credit payments through UPI, extending the same speed and convenience to credit transactions as it does for savings account payments.
Sohini Rajola, Executive Director - Growth, NPCI, said, “The growing adoption of biometric authentication reflects the increasing preference among UPI users for payment experiences that are simple and efficient. With over 600 million transactions in June, the solution is seeing strong acceptance across use cases, including RuPay Credit Card on UPI. Several banks and UPI apps already offer biometric authentication to their customers, and we expect adoption to grow further as more users choose this secure and convenient way to make payments.”
By using on-device fingerprint or facial recognition, biometric authentication reduces dependence on UPI PINs, enables faster transaction completion and improves success rates.
With ecosystem enablement expanding across banks and UPI apps, biometric authentication is set to play a growing role in how Indians pay every day. NPCI expects the feature to see continued adoption in the months ahead, further strengthening UPI's position at the forefront of secure, frictionless digital payments.
National Payments Corporation of India (NPCI) is the umbrella entity responsible for operating retail payments and settlement systems in India. It is established by the Reserve Bank of India (RBI) and the Indian Banks’ Association (IBA). The Company is focused on bringing innovations in the retail payment systems by using technology for achieving greater efficiency in operations and widening the reach of payment systems. NPCI is committed to harnessing the transformative potential of deep tech, creating an ecosystem that fosters collaboration to work on breakthrough technologies. Underlining its commitment to service, NPCI has been incorporated as a “Not for Profit” Company to provide infrastructure to the entire Banking system in India for physical as well as electronic payment and settlement systems.
NPCI has made a profound impact on India's retail payment landscape, focusing on creating robust, efficient, and inclusive payment and settlement solutions. NPCI has been instrumental in introducing a range of products that have revolutionised retail payment systems. These include Unified Payments Interface (UPI), RuPay, National Automated Clearing House (NACH), Immediate Payment Service (IMPS), National Electronic Toll Collection (NETC), Aadhaar Enabled Payment System (AePS), e-RUPI and more. Each of these products has contributed significantly to enhance the efficiency and accessibility of payment systems in India, ultimately propelling financial inclusion.
NPCI has played a fundamental role in establishing the foundation for India’s rapidly growing digital payments ecosystem, projecting the country onto the global stage.
NPCI has three wholly owned subsidiaries – NPCI International Payments Limited (NIPL) and NPCI Bharat BillPay Limited (NBBL) and NPCI BHIM Services Limited (NBSL), established in pursuance of NPCI Board & RBI approval.
For more information visit: https://www.npci.org.in/
UPI users are increasingly adopting biometric-based authentication for everyday payments, marking a significant shift towards faster, simpler and more intuitive digital payment experiences. The feature supports both Person-to-Person (P2P) and Person-to-Merchant (P2M) payments, making routine payments quicker and more seamless for users.
Biometric authentication is also available for RuPay Credit Card on UPI transactions, enabling PIN-free credit payments through UPI, extending the same speed and convenience to credit transactions as it does for savings account payments.
Sohini Rajola, Executive Director - Growth, NPCI, said, “The growing adoption of biometric authentication reflects the increasing preference among UPI users for payment experiences that are simple and efficient. With over 600 million transactions in June, the solution is seeing strong acceptance across use cases, including RuPay Credit Card on UPI. Several banks and UPI apps already offer biometric authentication to their customers, and we expect adoption to grow further as more users choose this secure and convenient way to make payments.”
By using on-device fingerprint or facial recognition, biometric authentication reduces dependence on UPI PINs, enables faster transaction completion and improves success rates.
With ecosystem enablement expanding across banks and UPI apps, biometric authentication is set to play a growing role in how Indians pay every day. NPCI expects the feature to see continued adoption in the months ahead, further strengthening UPI's position at the forefront of secure, frictionless digital payments.
National Payments Corporation of India (NPCI) is the umbrella entity responsible for operating retail payments and settlement systems in India. It is established by the Reserve Bank of India (RBI) and the Indian Banks’ Association (IBA). The Company is focused on bringing innovations in the retail payment systems by using technology for achieving greater efficiency in operations and widening the reach of payment systems. NPCI is committed to harnessing the transformative potential of deep tech, creating an ecosystem that fosters collaboration to work on breakthrough technologies. Underlining its commitment to service, NPCI has been incorporated as a “Not for Profit” Company to provide infrastructure to the entire Banking system in India for physical as well as electronic payment and settlement systems.
NPCI has made a profound impact on India's retail payment landscape, focusing on creating robust, efficient, and inclusive payment and settlement solutions. NPCI has been instrumental in introducing a range of products that have revolutionised retail payment systems. These include Unified Payments Interface (UPI), RuPay, National Automated Clearing House (NACH), Immediate Payment Service (IMPS), National Electronic Toll Collection (NETC), Aadhaar Enabled Payment System (AePS), e-RUPI and more. Each of these products has contributed significantly to enhance the efficiency and accessibility of payment systems in India, ultimately propelling financial inclusion.
NPCI has played a fundamental role in establishing the foundation for India’s rapidly growing digital payments ecosystem, projecting the country onto the global stage.
NPCI has three wholly owned subsidiaries – NPCI International Payments Limited (NIPL) and NPCI Bharat BillPay Limited (NBBL) and NPCI BHIM Services Limited (NBSL), established in pursuance of NPCI Board & RBI approval.
For more information visit: https://www.npci.org.in/
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