Mumbai, Oct 7 (PTI) Wearable smart glasses can now be used to make payments via UPI Lite by simply scanning a QR and issuing a voice command.

These small-value transactions using wearable glasses will neither need a mobile phone nor any payment authentication PIN, the National Payments Corporation of India (NPCI) said in a statement.

Reserve Bank of India Deputy Governor T Rabi Sankar announced the launch of the digital payment innovations at the ongoing Global Fintech Fest 2025 here.

UPI Lite is designed for small-value, high-frequency payments with enhanced success rates and minimal dependency on core banking infrastructure.

The NPCI has also issued a video on the use of UPI Lite on smart glasses, which explains how a person can just 'Look. Speak. Pay'.

In a statement, NPCI said users can complete hands-free and secure transactions by simply scanning a QR, authenticate and complete payments through voice on smart glasses, without needing a phone or entering a PIN.

"The solution is aimed at everyday payments such as retail, food, and transit, encouraging greater digital payment penetration," it added.

This feature addresses customers' growing demand for seamless, frictionless payments that integrate effortlessly into their always-connected, on-the-go digital lifestyle.

"This launch marks the first time UPI is extended to the wearable ecosystem, representing a step towards ambient payments by enabling seamless digital payments," NPCI said.

It also benefits banks and PSPs by reducing core banking system load through off-CBS wallet execution.

Embedding UPI Lite on smart glasses enhances convenience for consumers and strengthens India’s leadership in digital payment innovation globally, NPCI said.

The Unified Payments Interface (UPI) platform is owned and operated by the National Payments Corporation of India (NPCI).

NPCI, an umbrella organisation for operating retail payments and settlement systems in India, is an initiative of the Reserve Bank of India (RBI) and Indian Banks' Association (IBA) for creating a robust Payment & Settlement Infrastructure in India. PTI NKD NKD BAL BAL BAL

Ambient payments on wearable smart glasses enable hands free UPI Lite transactions without a phone or PIN. UPI Lite has been enabled on wearable smart glasses to permit hands free, small value QR based payments authenticated by voice without a mobile phone or PIN. The solution targets routine retail, food and transit transactions and uses an off CBS wallet execution model to reduce core banking system load for banks and payment service providers while leveraging the UPI platform's interoperability.