Visa Payment Passkey—a modern authentication solution | Visa

Simplify your checkout experience with Visa Payment Passkey (VPP)

Visa Payment Passkey is a biometric authentication method that replaces passwords and SMS one-time codes with a secure passkey stored on a cardholder's device. Users authenticate online payments with their fingerprint, face or device PIN, for a frictionless checkout experience.

Enjoy tomorrow’s payment authentication methods today

Improvements in payment authentication have reduced fraud, but they’ve 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.

Enhanced security

VPP relies on FIDO protocols and device intelligence to verify your identity and protect against phishing.

Frictionless checkout

Eliminate passwords and one-time codes to speed up and simplify checkout.

Easier process

Help drive higher purchase conversion rates by streamlining payment authentication during the checkout process.

See Visa Payment Passkey in action

Visa Payment Passkey requires a one-time consumer set up to bind their device. Once the biometric authentication is set up, it can be used to enable a frictionless check out experience at participating merchants.

Bring the power of passkeys to your business

Visa helps you provide the smooth purchasing experiences customers expect — with the protections they need.

Create Payment Passkey

For this device

Improved checkout experience

Strong, device-based payment authentication
Enabled across all participating merchants
Single consumer biometric authentication to register

Integrated with Visa solutions

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

Robust compliance

Strong Customer Authentication
Can be used with EMV® 3-D Secure (3DS)
Helps meet PSD2 SCA requirements in the EU

How Visa payment authentication is transforming 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

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 payment authentication program benefits.

Consumers

Consumers register their device and payment credential once and can then enjoy a consistent payment authentication experience when paying at participating online merchants.

Unlock a world of opportunity

See how Visa Payment Passkey can bring biometric authentication to your customers.