• Visa Payment Passkey delivers a modern authentication solution

    Biometric authentication helps make online shopping faster, easier and more secure.

Authentication is better today, but can be even better tomorrow

Improvements in authentication have reduced fraud; but also introduced friction into the online checkout experience. Visa Payment Passkey is built to Fast Identity Online (FIDO®) standards and represents the next step in card not present (CNP) authentication—with a host of valuable benefits.

FIDO® and the stylized FIDO logo are trademarks (registered in numerous countries) of FIDO Alliance, Inc.

Improved checkout experience

  • Strong, device-based payment authentication
  • Enabled across all participating merchants
  • Single consumer registration

Integrated with Visa solutions

  • Guest checkout through Cardinal Consumer Authentication
  • A new standard for online checkout from Click to Pay
  • Secure card on file through Visa Token Service coming soon

Robust compliance

  • Strong Customer Authentication
  • Can be used with EMV® 3-D Secure (3DS)
  • Helps meet PSD2 SCA requirements in the EU
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Visa brings passkeys to payments

FIDO2 is a global standard for strong authentication. Established by a consortium of the world’s leading technology companies, including Visa, this solution stores the authentication credential, or passkey, locally on the consumer’s device and uses the consumer’s native device biometric capability or screen lock to authenticate the consumer. Visa is applying this strong authentication to the payment experience.

- 50 %

fraud rates with biometric authentication vs. Short Message Service (SMS) one-time passcodes (OTP)¹

100 %

of all major OS providers and 90% of web browsers support FIDO® authentication natively²

4B

estimated consumer devices that support FIDO® authentication³

  1. Analysis based VisaNet data globally, from July-December 2023, comparing biometric authentication to step-up through OTP sent over text message.
  2. FIDO Alliance: https://fidoalliance.org/fido2-2/fido2-web-authentication-webauthn/ and https://caniuse.com/?search=FIDO2 (as of Aug 30, 2024).
  3. FIDO Alliance: https://fidoalliance.org/wp-content/uploads/2021/10/FIDO-ALLIANCE-Response-to-NIST-IOT-Consumer-labelling-October-2021.pdf

See Visa Payment Passkey in action

Visa Payment Passkey requires a one-time consumer set-up to bind their device. Once their Visa Payment Passkey is set up, it can be used to authenticate the consumer when they checkout at a participating merchant.

Protection that spans the entire payment ecosystem

Issuers

Easily enroll and manage your cardholders’ payment passkeys and benefit from reduced fraud rates and cost-effective solution maintenance with Visa-managed authentication support.

Merchants

Boosts shopper confidence and may help drive greater conversion. In addition, Visa Payment Passkey helps qualify for Visa authentication program benefits.

Consumers

Consumers register their device and payment credential once and can then pay at participating online merchants using a consistent authentication experience without encountering the friction of SMS OTP authentication.

Unlock a world of opportunity

See what Visa Payment Passkey can do for your customers’ experience.

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