In a move aimed at improving payment security and convenience, fintech platform CRED has introduced biometric authentication for UPI transactions.
The feature went live on March 25, 2026, and allows users to authorise payments using face recognition or fingerprint instead of entering a PIN. It is available on both iOS and Android devices.
The rollout applies to transactions up to ₹5,000 and covers all UPI use cases on the platform. These include credit card bill payments, utility payments, merchant payments, scan and pay, peer-to-peer transfers, and balance checks.
CRED stated that the update reduces the number of steps required to complete a transaction, which can help lower instances of failed or delayed payments.
The feature has been developed in partnership with the National Payments Corporation of India (NPCI), which oversees the UPI ecosystem. It follows regulatory guidelines and uses the biometric authentication already set up on a user’s device.
The company described this as a security upgrade, highlighting reduced risks linked to PIN exposure and fewer errors caused by incorrect PIN entry. The biometric layer is designed to enhance fraud protection while making transactions smoother.
CRED currently has over 1.5 crore users and limits membership to individuals with high credit scores. Along with payments, the platform offers services such as credit card management, credit score tracking, and access to financial products.
Also read: Viksit Workforce for a Viksit Bharat
Do Follow: The Mainstream LinkedIn | The Mainstream Facebook | The Mainstream Youtube | The Mainstream Twitter
About us:
The Mainstream is a premier platform delivering the latest updates and informed perspectives across the technology business and cyber landscape. Built on research-driven, thought leadership and original intellectual property, The Mainstream also curates summits & conferences that convene decision makers to explore how technology reshapes industries and leadership. With a growing presence in India and globally across the Middle East, Africa, ASEAN, the USA, the UK and Australia, The Mainstream carries a vision to bring the latest happenings and insights to 8.2 billion people and to place technology at the centre of conversation for leaders navigating the future.
