RBI Governor Unveils New UPI Capabilities at GFF 2026: AI-Powered Customer Support and Seamless Tap-and-Pay Experience

• UPI ‘Tap & Pay’ enables faster UPI payments by simply unlocking NFC-enabled smartphone and tapping on an NFC-enabled Point-of-Sale (POS) terminal. UPI Tap & Pay and Biometric provide smoothest payment experience.
• MyUPI, an AI-powered platform, provides a suite of intelligent, customer-centric enhancements in UPI Help aimed at strengthening trust, safety, and convenience across UPI ecosystem.

The Reserve Bank of India (RBI) Governor, Shri Sanjay Malhotra, today announced the launch of two customer-centric UPI innovations at the Global Fintech Fest (GFF) 2026. The launch includes UPI ‘Tap & Pay’ on Point-of-Sale (POS) terminals and MyUPI, a customer support solution powered by NPCI’s Small Language Model (FiMI).

The launch took place in the presence of Shri Ajay Kumar Choudhary, Non-Executive Chairman and Independent Director, NPCI, along with senior bankers, fintech founders, and other participants from the banking and fintech ecosystem.

UPI ‘Tap & Pay’

The RBI Governor launched UPI ‘Tap & Pay’ on POS which allows users to make faster payments by unlocking their NFC-enabled smartphone and tapping it on an NFC-enabled Point-of-Sale (POS) terminal. The feature does not rely on user’s mobile internet connectivity as transactions can be completed using the POS machine’s internet connection. The feature is designed to make everyday payments faster and seamless for consumers.

The feature supports secure payments across multiple account types on UPI, including RuPay Credit Card on UPI. Users can make UPI PIN-less transactions of up to ₹5,000, above which the user needs to enter their UPI PIN on the POS terminal.

With UPI Biometric Authentication launched at GFF 2025, NPCI had already brought the ease of device-native biometrics to everyday payments, and with UPI Tap & Pay, it is further simplifying the payment journey to a quick and simple, tap-and-pay experience. Since its launch, the combined volume of Biometric-authenticated UPI transactions has surpassed 6.29 billion as of 31 August 2026. The strong adoption of biometric-authenticated UPI payments reflects the growing consumer preference for faster and seamless payment experiences and UPI Tap & Pay represents the next step in this evolution.

MyUPI (UPI Help 2.0)

The RBI Governor also announced the launch of MyUPI, an AI-powered platform built on NPCI’s Small Language Model (FiMI), which introduces a suite of intelligent enhancements in UPI Help aimed at strengthening trust, safety, and convenience across the UPI ecosystem. It provides users with a single view of UPI transactions and AutoPay mandates across banks and UPI apps.

MyUPI introduces features such as User Controls to empower users with a safety net for their UPI payments, such as Safety Switch, which enable users to request declining of UPI debit transactions in case of a suspected compromise and UPI Number Delink - enabling users to delink their mobile number for receiving UPI payments; Payee Context-based Information which provides users with more information about a beneficiary before a payment is made; Automated Chargeback Processing which enables real-time chargeback creation for eligible transactions, significantly reducing complaint resolution time and bring operational efficiency for banks; and Transaction Replay, which enables users to recall and repeat past transactions using any UPI app.

Together, these features will make MyUPI a platform beyond support to a proactive trust and control layer. The platform will offer 24x7 multilingual support and facilitate seamless self-service through a user-friendly interface. It delivers greater transparency, safety, and convenience for users and enables banks and UPI apps to provide faster, more efficient assistance experiences.