Customers will have the flexibility to choose between UPI PIN and biometrics for transaction authorisation.

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Bank of Baroda on Friday launched three new features on its UPI payment app, bob इ Pay: mobile OS-native biometric authentication for payments, UIDAI-based face authentication for setting/resetting UPI pin, and Internet of Things (IoT)-based payments.With the mobile OS-native biometric authentication feature, customers can now authorise UPI transactions up to ₹5,000 using fingerprint or face ID registered on their mobile device, enabling faster, seamless, and more secure payments on bob इ Pay. This feature enables PIN-free transactions, eliminating the need to remember multiple PINs and making everyday payments quicker and more intuitive. It also strengthens security by ensuring that only the registered device owner can approve transactions through device-level biometric authentication, significantly reducing the risk of fraud or misuse, the bank said in a release.Customers will have the flexibility to choose between UPI PIN and biometrics for transaction authorisation. This feature supports both Person-to-Person (P2P) and Person-to-Merchant (P2M) transactions, as well as balance enquiries, delivering a frictionless user experience.The bank has also introduced Aadhaar-based face authentication to set or reset UPI PINs, reducing reliance on debit cards and OTP-based Aadhaar verification. The UIDAI face authentication feature allows users to verify their identity through facial recognition and securely set or reset their UPI PIN using a bank OTP.It has enabled UPI payments through IoT devices, expanding the scope of digital payments beyond smartphones. Customers can now link supported connected vehicles and smart appliances to bob इ Pay and conveniently make UPI payments directly through them, the bank said.IoT-based payments are an extension of the ‘Delegate Payments’ framework and allow a primary user to delegate payment authority to a secondary user or device to execute transactions within pre-defined limits set by the primary user. Each IoT device can be linked to only one primary user at a time, ensuring exclusive ownership, transaction accountability, and enhanced security. Published - May 29, 2026 05:51 pm IST