Visa has launched its Payment Passkey solution in India in partnership with IDFC FIRST Bank, enabling cardholders to authenticate online transactions using biometrics or device credentials instead of one-time passwords (OTPs).
Visa on Thursday launched its Payment Passkey (VPP) solution in India, introducing an alternative authentication mechanism for online card payments that reduces dependence on one-time passwords (OTPs). The solution has gone live with IDFC FIRST Bank as its first banking partner and is available for select users across merchants including Myntra, Paytm, MakeMyTrip, Tata Starbucks, Reliance Digital and EatSure.
Built on the Fast Identity Online (FIDO) authentication standard, Visa Payment Passkey enables cardholders to authenticate transactions using their device’s native security features such as fingerprint, facial recognition, PIN, password or pattern.
The company said the offering is aligned with the Reserve Bank of India’s September 2025 framework on alternative authentication mechanisms for digital payment transactions, allowing the ecosystem to move beyond OTP-based verification.
The solution has also been integrated with payment and fintech partners including Juspay, Wibmo, Razorpay, PayU, Pine Labs, BillDesk, M2P Fintech and Paytm Payments Services, enabling merchants to offer the authentication method.
According to Visa, the technology is expected to improve payment success rates while reducing the number of steps required to complete online transactions.
“With Visa Payment Passkey, we are helping make digital commerce safer, more inclusive and easier to use by enabling people to authenticate card payments through familiar device-based experiences such as biometrics, PINs, passwords or patterns. Combined with tokenization, this solution adds an important layer of protection, reduces friction and strengthens trust at every checkout. It also lays the foundation for the next era of agentic commerce, where trusted credentials and strong authentication will enable intelligent digital experiences to act safely on behalf of consumers,” said Suresh Sethi, Group Country Manager, India & South Asia, Visa.
With a one-time setup, consumers will be able to use the same authentication experience across participating merchants and platforms. Visa said the solution is compatible with major operating systems and browsers and is supported by billions of FIDO-enabled devices globally, enabling wider adoption across India’s digital payments ecosystem.
