Overview

• Users can now authenticate UPI transactions with Aadhaar‑linked face or fingerprint data as an alternative to entering a PIN, with verification performed on the device to protect privacy.
• UPI Lite extends to wearable smart glasses for small‑value, hands‑free payments using QR scan and voice commands without a phone or PIN.
• RBI introduced UPI Multi‑Signatory to enable payments from joint accounts that require approvals from multiple signatories across any UPI app.
• Aadhaar FaceRD supports faster onboarding by allowing users to set or reset UPI PINs via facial verification, and biometric checks can also be used for cash withdrawals at ATMs and new UPI Cash Points.
• NPCI said banks will use cryptographic checks for each transaction, initial biometric payments are limited to ₹5,000, and reports indicate major apps could begin enabling the options from Oct. 8.