# Visa Payment Passkey

## Getting Started with Visa Payment Passkey

### Introduction to Visa Payment Passkey

Visa Payment Passkey (VPP) is a FIDO-based authentication solution designed to enhance security and user experience for e-commerce payments. It enables device-bound authentication across all Visa card-not-present (CNP) acceptance solutions with a single registration, allowing consumers to authenticate payments using biometrics or other secure methods without relying on passwords or OTPs.

### Visa Payment Passkey Ecosystem Participants

# Merchants and Payment Service Providers

As a merchant or payment service provider, you can implement VPP APIs to enable cardholders to create and authenticate using their Visa Payment Passkey.

# Issuers

As an Issuer, you can implement the suite of VPP APIs through Visa ID & Credential.

### Key Terms

These are some of the key terms used throughout this implementation guide. For a more complete list, please view the Visa Payment Passkey Service Program Guide.

# Fast Identity Online (FIDO)

The authentication standard which leverages public key cryptography to authenticate users online using on-device biometric screen unlock or other device authentication method (e.g., PIN, pattern).

# Passkey

A FIDO Credential generated using WebAuthn API that may be synced to other FIDO Authenticators linked to a user’s keychain/cloud account.

# Relying Party (RP)

Website of entity that uses the FIDO protocol to directly authenticate users. During a FIDO flow, the party that is requesting the user to be authenticated. The FIDO Credential for the user is registered in the Relying Party’s domain.

# WebAuthn

Web Authentication API is the browser spec that enables creation of public-key-based credentials by web applications.