The feature works across both iOS and Android platforms.

UPI Payments Get Easier: CRED Enables Face and Fingerprint Authentication Up to Rs 5,000

Digital payments on CRED are set to become more secure and convenient, with the platform introducing biometric authentication for certain UPI transactions. The move is aimed at reducing reliance on PIN-based approvals and improving user experience during payments.

Under the new system, users can approve transactions of up to Rs 5,000 using either fingerprint or facial recognition available on their devices. The feature works across both iOS and Android platforms, allowing users to complete payments without manually entering a PIN each time.

The company said this mechanism helps minimise risks associated with PIN exposure, while also preventing errors that occur due to incorrect PIN entry. By using device-based authentication, the process is expected to offer an additional layer of security while maintaining ease of use.

The biometric approval system will be applicable to all UPI transactions carried out on the platform. These include credit card bill payments, utility bill settlements, merchant payments and person-to-person transfers, covering a wide range of everyday use cases.

Developed in partnership with the National Payments Corporation of India, the feature aligns with regulatory guidelines and leverages existing authentication systems built into smartphones to facilitate secure transactions.