UPI Gets Smarter: Now Make Payments Instantly with Your Face or Fingerprint!

The National Payments Corporation of India (NPCI) has introduced exciting new features to make UPI payments faster, safer, and easier. Users can now pay using their face or fingerprint, set or reset UPI PIN using Aadhaar face verification, and even withdraw cash through Micro ATMs.

These features were unveiled by Department of Financial Services (DFS) Secretary M. Nagaraju at the Global Fintech Festival (GFF) 2025 in Mumbai.

Pay Instantly with Face or Fingerprint Via UPI

Users can now approve UPI payments using their phone’s fingerprint or face unlock, instead of entering a UPI PIN every time. This feature is optional; users can still use their PIN if they prefer.

NPCI said this makes payments quicker and more secure. Transactions are still verified by banks using strong security checks, ensuring full protection for users.

Aadhaar Face Verification for UPI PIN

Setting or resetting a UPI PIN has also become simpler. With Aadhaar-based face authentication, users can verify their identity through their face linked to Aadhaar, instead of using debit cards or OTPs.

This makes UPI easier for first-time users, senior citizens, and people without easy access to cards or OTP-enabled devices. NPCI uses UIDAI’s FaceRD app for secure verification.

Withdraw Cash Easily Through Micro ATMs

NPCI also allows cash withdrawals using UPI at Micro ATMs. Customers can scan a QR code at Business Correspondent (BC) points or UPI Cash Points and approve the transaction via their UPI app.

This complements existing card and Aadhaar-based withdrawals and improves cash access in rural and remote areas.

Other Key Announcements

At the event, RBI Deputy Governor T. Rabi Sankar announced features like UPI for joint account holders, small-value payments using smart glasses via UPI Lite, and forex payments through Bharat Connect.

Global payments company PayPal also partnered with NPCI International Payments Ltd. to integrate UPI into its upcoming PayPal World platform, letting Indians pay foreign merchants in rupees.

Read more: India’s UPI Expands to Qatar for Domestic Payment Services.

Conclusion

With face and fingerprint login, Aadhaar PIN setup, and Micro ATM cash withdrawals, NPCI is making UPI faster, safer, and more convenient for everyone. These updates mark a big step toward simpler, smarter digital payments across India.

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