UPI is getting its biggest quality-of-life upgrade since recurring mandates. You can now authenticate using your face or fingerprint instead of tapping a four-digit PIN every time. The first wave goes live on supported phones and partner apps, with Aadhaar-grade checks happening behind the scenes to confirm you are you.
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What changes for users. Tap pay, look at the camera or touch the sensor, and done. Expect the flow to feel near-instant on devices with fast biometric hardware. For merchants, the upgrade should cut queue time and failed transactions caused by PIN entry errors. For banks and fintechs, fraud control improves because stolen PINs without your face or finger become less useful.
What about privacy and safety. The match happens through regulated rails and your biometric is not shared with the merchant. You will still see risk-based limits, and high-value transactions may ask for a step up. Expect broader coverage over the next few weeks as banks update SDKs and as devices enable hardware-level security paths that keep the biometric template on the phone.
If you run payouts and collections, plan for a short transition where both PIN and biometric flows coexist. Train cashiers on the new screen prompts, and update signage so customers know they can pay faster without tapping numbers in public.
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