Biometric authentication is set to play an increasingly important role in India's digital payments ecosystem as more banks and UPI applications introduce the feature, with biometric-based UPI transactions surpassing 600 million in June, according to the National Payments Corporation of India.
NPCI said the feature enables users to authorise payments using on-device biometric authentication, including fingerprint or facial recognition available on smartphones. It supports both person-to-person (P2P) and person-to-merchant (P2M) transactions and is also available for RuPay Credit Card on UPI, allowing customers to make eligible credit card payments without entering a PIN.
According to the corporation, biometric authentication recorded more than 611 million transactions in June 2026, with a total transaction value of Rs 25,416 crore across a wide range of everyday payment use cases.
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"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," said Sohini Rajola.
Rajola added that several banks and UPI platforms have already enabled biometric authentication for their customers and expressed confidence that adoption will continue to rise as more users embrace the secure and convenient payment option.
NPCI said biometric authentication reduces reliance on UPI PINs by allowing users to complete transactions through fingerprint or facial recognition on their smartphones. The feature is designed to make payments faster, improve transaction success rates and deliver a smoother digital payment experience.
The corporation expects adoption to increase further as more banks and payment service providers roll out the feature across their platforms. For consumers, this is expected to result in quicker and more convenient transactions without the need to repeatedly enter UPI PINs. Merchants, meanwhile, could benefit from faster checkout processes and more seamless digital payment experiences.
NPCI said the expanding use of biometric authentication, including for RuPay Credit Card on UPI transactions, is expected to further strengthen UPI's position as India's preferred digital payments platform by offering users a secure, frictionless and more accessible way to make everyday payments.
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