NPCI PayAuth Challenge



                                                                                                                Winner  -
                                                                                                                 TECH 5

                                                                                                     Joint Runner Ups
                                                                                                     Infobip India Pvt Ltd.
                                                                                                     Juspay Technologies
                                                                                                     Minkasu Inc

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#npcipayauth #npciupi #payments #digitalpayments #authentication #biometrics #billionaday

Join us in our journey to simplify authentication on UPI
  • Start Registration

  • Submit Proposals

  • Shortlist Finalists

  • Submit Solutions

  • Announce Winners

All timings are as per (GMT +8:00) Singapore, Beijing, Perth, Hong Kong
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About Us

Welcome and thank you for your interest in the NPCI's PayAuth Challenge

The National Payments Corporation of India (NPCI) is an umbrella organization set up for running retail payments and settlement systems in India, operating more than 10 different payments products, connecting 1200+ banks, 200+ aggregators and apps, and a billion+ users!

NPCI's PayAuth Challenge aims to identify alternative solutions around payment verification and authorization in UPI, in order to provide risk-based user confirmation and user-friendly transaction authorization on the platform.

This challenge has been devised with the purpose of exploring the feasibility and viability of alternative mechanisms for payment authentication. How does that work?

If you have a product or solution that simplifies authentication/authorization through innovative technologies like biometric verification, device fingerprinting or facial recognition, this is your chance to shine!

What is UPI? The Unified Payments Interface (UPI) platform is a real-time payment network set up by NPCI that enables account-to-account transactions through several different mobile apps and platforms. Wish to learn more? Visit:

Problem Statements

The prestigious PayAuth Challenge by NPCI aims to explore the feasibility and viability of alternative payment verification mechanisms and the subsequent user behaviour towards such alternatives.


NPCI's PayAuth Challenge aims to identify alternative solutions for payment authentication and authorization in UPI to provide a more secure user friendly way for users to transact.

NPCI's PayAuth Challenge aims to identify alternative solutions around payment authentication methods in UPI to provide risk based user authentication and user friendly transaction authorization. The intent of this challenge to explore the feasibility of alternative payment authentication mechanisms and user behaviour towards such authentication mechanisms.


Prizes Up For Grab

Winning teams will receive:

20000 USD
10000 USD
& winners get a chance to do a PoC with NPCI


  • Participants must be from an incorporated organization, or willing to form an incorporated entity preferably in India if they are winners of the hackathon.
  • Possess a minimum viable product (MVP) or a product available on the market or ready to be rolled out in the market.
  • Participants from all backgrounds and geographies are welcome, albeit knowledge about the Indian payments market and consumers is preferred.


Who can apply

This is a global challenge open for individuals and enterprises offering technology solutions in payments. It is especially suited for enterprises (including startups) with ready solutions that can be piloted with limited additional development and integration efforts. However, all relevant and impactful solutions will be considered irrespective of the stage.

What is the format of the program?

Applications will be received only through the online process. NPCI will shortlist the most promising solutions for further support. Wherever needed, these solutions will be provided with access to NPCI sandbox and technical support so that demo-able products can be created. The winners will be selected from the shortlist based on the product pitch and demos towards the end of the program.

Do I need a registered company to apply?

You need not be a registered firm at the time of application. But if a team wins, representatives are then expected to register a new firm/company to be able to accept the winning prize and perform a PoC/pilot with NPCI.

How will the prize be disbursed?

The prize will be disbursed to the winners as per standard NPCI startup engagement policies and will be subject to tax deductions as applicable in India.

Will the information shared be kept confidential?

Information provided to us through the online application will be shared only on a need-to-know basis within the relevant program and evaluation teams. The information provided will be retained by us post the program for audit purposes and will be shared with an external party only upon obtaining explicit permission from the applicant / authorized team member.




For NPCI PayAuth Challenge related queries, please reach out to

For technical queries during registration or proposal submission process, please reach out to