Cred rolls out biometric login for UPI payments up to Rs 5,000
25 Mar 2026, 06:51 PMThe feature has been developed in partnership with the National Payments Corporation of India (NPCI).
Team Head&Tale
Share the story on
Fintech platform Cred has introduced biometric authentication for unified payments interface (UPI) transactions, allowing its members to approve payments using their face or fingerprint instead of entering a PIN.
The feature is available for payments up to Rs 5,000 on both iOS and Android devices, said Cred in a statement.
The feature has been developed in partnership with the National Payments Corporation of India (NPCI), which oversees the country's UPI infrastructure, it added.
The update covers the full range of UPI activities on the app from credit card bill payments and utility bills to merchant transactions, scan-and-pay, peer-to-peer transfers, and balance checks. By reducing the steps needed to complete a payment, Cred said the change will also cut down on transaction failures caused by incorrect or forgotten PINs.
Beyond convenience, the company is positioning the move as a security upgrade, arguing that eliminating PIN entry reduces exposure to fraud.
The Kunal Shah-led company, which claims a user base of over 1.5 crore members, restricts access to individuals with high credit scores.
Earlier this month, Cred received the final approval from the Reserve Bank of India (RBI) to operate as a payment aggregator (PA).
Who Reads Us
“I enjoy reading The Head and Tale for their coverage on the Fintech landscape. The reporting is incisive and honest, and it demonstrates a sharp understanding of the industry and the issues that concern it. I'd like to extend my best wishes to Arti for her continued success.”
“Well-researched, informative and analysis based reporting makes an interesting read. 'The Head and Tale' news portal has been demonstrating this quite well covering fintech and emerging tech sectors. Their timely updates, exclusive stories and different perspectives on these sectors help me stay informed. Kudos to Arti Singh for pursuing her passion and best wishes to the team.”
“The Head and Tale stands out for its deep industry knowledge and impressive network of sources. I especially appreciate that the reporting remains independent, rarely resorting to paid puff pieces, making it a publication I can genuinely trust. Having followed Arti’s work for years, I’ve come to rely on The Head and Tale for its unparalleled insight and truly independent coverage. Arti’s long-standing presence in the sector means her reporting is always informed, with access few can match.”
“What I really appreciate about The Head and Tale is that it doesn’t just report the news, it interprets it. The stories are well-researched, comprehensive, and bold. Arti brings a fearless lens to reporting, often asking the uncomfortable but necessary questions. She makes you pause, reflect, and rethink what it all means for the payments and fintech ecosystem. It’s rare to find journalism that’s this sharp, timely, and relevant to the work we do every day.”
“I’ve always valued journalism that goes beyond surface-level headlines. The Head and Tale does exactly that - it connects the dots, asks the tough questions, and brings clarity to the shifts shaping our evolving industry. I’ve even encouraged my team members to subscribe, because staying informed through credible, deeply reported stories is as important as building products. For me, The Head and Tale has become part of essential reading.”
Related News