The NPCI has rolled out UPI Reserve Pay, a new feature designed to help users manage spending, alongside several innovations enabling payments through smart devices. Reported by Zee Business sources, these initiatives also include AI-driven dispute resolution and biometric authentication, offering a more convenient and secure payment experience.
How Reserve Pay works?
Reserve Pay lets users set aside a fixed amount for a specific merchant or app. For example, someone could reserve Rs 5,000 for Zomato and payments would be automatically deducted from that balance. It’s meant to help users budget better without going through the hassle of constant cancellations or refunds. The reserve amount can also be changed or withdrawn anytime.
UPI moves beyond smartphones
In another big step, NPCI is taking UPI to smart devices – from connected car dashboards to TVs and wearables. The idea is to let users pay for tolls, fuel or subscriptions directly from these devices without opening an app or typing bank details every time.
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UPI Help for payment issues
A new support tool called UPI Help will use AI to guide users if a payment fails or a refund is pending. It can start the resolution process automatically, cutting down the need to call customer support.
Biometric login for smoother payments
From today, October 8, 2025, users will be able to authorise payments using their fingerprint or face ID instead of entering a PIN. The data will be stored only on the user’s device, not on NPCI or bank servers.