{"id":26498,"date":"2026-03-30T10:37:41","date_gmt":"2026-03-30T05:07:41","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=26498"},"modified":"2026-04-01T13:12:36","modified_gmt":"2026-04-01T07:42:36","slug":"razorpay-biometric-card-authentication-passkey-with-mastercard-visa","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/razorpay-biometric-card-authentication-passkey-with-mastercard-visa\/","title":{"rendered":"\u200b\u200bSay Goodbye to OTPs: Razorpay, along with Mastercard and Visa, Launches RBI-Compliant Biometric \u2018Passkey\u2019"},"content":{"rendered":"<p>Built on<span style=\"font-weight: 400\"> device-bound secure biometrics<\/span><b> and payment passkey protocols<\/b><span style=\"font-weight: 400\">, Razorpay now enables cardholders to authenticate online card transactions promptly using <\/span><b>biometrics such as fingerprint or facial recognition<\/b><span style=\"font-weight: 400\">, eliminating dependence on OTPs and delivering a more secure, faster, and reliable checkout experience.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Your customers can now:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Discover effortlessly<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Decide faster<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Place orders seamlessly<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Authenticate payments using fingerprint or face scan<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">India, with its rapidly expanding payment ecosystem and advanced tokenization market, is embracing payment passkeys and enhanced biometric authentication in line with the Reserve Bank of India&#8217;s goal for a <a href=\"https:\/\/www.rbi.org.in\/scripts\/NotificationUser.aspx?Id=12898&amp;Mode=0\" rel=\"nofollow noopener\" target=\"_blank\">safer, more resilient payment system<\/a>. <\/span><span style=\"font-weight: 400\">Payment passkeys<\/span> <span style=\"font-weight: 400\">aren\u2019t just about speed and convenience,\u00a0 they\u2019re about safety and enhancing a user\u2019s shopping experience. For businesses, it means fewer abandoned carts and less fraud. For shoppers, by replacing traditional passwords and OTPs, they accelerate checkout while reducing the risk of credential loss, misuse, or exposure, improving both convenience and security for customers.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This enables:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">No OTP entry<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">No redirections<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">No manual steps<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">No session breakage<\/span><\/li>\n<\/ul>\n<p><b>What changes is the experience. <\/b><span style=\"font-weight: 400\">Most importantly, s<\/span><span style=\"font-weight: 400\">ecurity remains deterministic, compliant,\u00a0 powered by Razorpay infrastructure in partnership with Mastercard &amp; VISA.<\/span><\/p>\n<h2><strong>Our Journey to Biometric Card Authentication at Scale<\/strong><\/h2>\n<p><span style=\"font-weight: 400\">Our journey to redefine authentication didn\u2019t begin today.<\/span><\/p>\n<p><span style=\"font-weight: 400\">It\u2019s been built, step by step, towards a faster, more seamless, and more secure future of payments.<\/span><\/p>\n<p><b>2024 :\u00a0 Laying the foundation &#8211;<\/b><span style=\"font-weight: 400\"> At Global Fintech Fest, in partnership with <a href=\"https:\/\/www.mastercard.com\/us\/en\/news-and-trends\/press\/2024\/august\/mastercard-selects-india-for-the-global-launch-of-its-payment-passkey-service-accelerating-secure-online-checkout-for-millions-of-shoppers.html\" rel=\"nofollow noopener\" target=\"_blank\">Mastercard,<\/a> we showcased a live <a href=\"https:\/\/razorpay.com\/blog\/biometric-authentication-easy-card-payments-checkout\/\">proof-of-concept<\/a> of biometric card authentication using passkeys &#8211; moving beyond OTPs for the first time.<\/span><\/p>\n<blockquote><p><b>Ravi Datla, Senior Vice President, Customer Solutions, South Asia, Mastercard, <\/b><span style=\"font-weight: 400\">said,<\/span><i><span style=\"font-weight: 400\"> \u201cAt Mastercard, we believe that the future of digital payments lies in authentication that is not only secure, but effortless for consumers and businesses alike. As the first payments network to introduce passkey-based authentication in India, we are glad to collaborate with Razorpay to help move the ecosystem beyond OTP dependency. Biometric, device-bound authentication marks a critical shift, one that strengthens trust, enhances security, and reflects the direction set by India\u2019s regulator. Together, we are enabling a safer, more reliable digital payments experience that works at the speed and scale of the country\u2019s growing digital economy.\u201d<\/span><\/i><\/p><\/blockquote>\n<p><b>2025 :\u00a0 From innovation to infrastructure &#8211; <\/b><span style=\"font-weight: 400\">\u00a0As RBI\u2019s two-factor authentication regulations came into force, we moved early, launching native <a href=\"https:\/\/razorpay.com\/blog\/razorpay-acs-pioneering-rbi-compliant-biometric-card-authentication-in-india\/\">ACS infrastructure<\/a> designed to support biometric authentication at scale within 10 days, securely and compliantly.<\/span><\/p>\n<p><b>2026 :\u00a0 Bringing it into real-world commerce &#8211; <\/b><span style=\"font-weight: 400\">\u00a0At the AI Impact Summit, in partnership with Mastercard and Tira Beauty, Razorpay heralded the shift into the AI era of commerce, enabling biometric card authentication within live journeys and proving this isn\u2019t just possible, but practical.<\/span><\/p>\n<p>And, <strong>today: <\/strong>Proud to bring both networks together &#8211; <strong>Mastercard<\/strong> and <strong>Visa, <\/strong>in enabling this shift to continue shaping what comes next for payments in India.<\/p>\n<blockquote><p><b>Ramakrishnan Gopalan, Head of Product, India &amp; South Asia, Visa,<\/b> <span style=\"font-weight: 400\">said,<\/span><i><span style=\"font-weight: 400\"> \u201cAs digital commerce scales in India, authentication must be both stronger and simpler. Visa Payment Passkey is designed to move the ecosystem beyond OTP dependent flows by enabling secure, device-bound, biometric authentication that is fast, seamless, and fully aligned with RBI\u2019s two-factor authentication framework. Our partnership with Razorpay reflects Visa\u2019s commitment to advancing trusted, inclusive, friction-free payments that improve success rates for merchants while giving consumers greater confidence and control at checkouts.\u201d<\/span><\/i><\/p><\/blockquote>\n<h2>Why This Matters<\/h2>\n<p><span style=\"font-weight: 400\">The world is moving faster than ever &#8211; and payments need to keep up.<br \/>\n<\/span><span style=\"font-weight: 400\">For decades, commerce followed a predictable choreography:<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><i><span style=\"font-weight: 400\">Search. Select. Enter details. Wait for OTPs. Complete.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400\">We optimized every step, but the experience remained fragmented, built on redirects, manual inputs, and interruptions at the moment that matters most: payment.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Today, expectations have changed. Speed is instant. Experiences are seamless. Decisions happen in seconds. But authentication hasn\u2019t caught up. OTPs often add an extra step at checkout, introducing delays and moments of friction that can interrupt an otherwise seamless flow.<\/span><\/p>\n<p><span style=\"font-weight: 400\">To match the pace of modern commerce, authentication needed to evolve, from something your customers <\/span><b><i>enter<\/i><\/b><b>,<\/b><span style=\"font-weight: 400\"> to something they <\/span><b><i>are<\/i><\/b><b>.<\/b><\/p>\n<p><span style=\"font-weight: 400\">Now, when your customer places an order, they can authenticate high-value <\/span><b>card payments<\/b><span style=\"font-weight: 400\"> instantly, with just a fingerprint or face scan. No OTP friction. No redirects.\u00a0 Faster checkouts, Higher success rates, Stronger security, and 100% compliant!<\/span><\/p>\n<p><span style=\"font-weight: 400\">A simple, secure moment: <\/span><b>Intent \u2192 Biometric confirmation \u2192 Payment complete<\/b><\/p>\n<h2>Card Authentication Built for What\u2019s Next<\/h2>\n<p><span style=\"font-weight: 400\">Razorpay continues to be first as payment industry keeps innovating. Wi<\/span>th the ever changing world of AI Commerce in the future, authentication needs to match the experience: <span style=\"font-weight: 400\">OTP-driven verification serves its purpose in interface-based transactions. However, conversational commerce requires authentication that is, faster, context-preserving, equally secure, and user-friendly. <\/span><span style=\"font-weight: 400\">Biometric passkey authentication <\/span><span style=\"font-weight: 400\">satisfies these requirements while maintaining strong identity assurance,\u00a0 making it suited for native journeys, while also supporting AI-assisted environments.\u00a0<b><br \/>\n<\/b><\/span><\/p>\n<blockquote><p><b>Khilan Haria, Chief Product Officer, Razorpay, <\/b><span style=\"font-weight: 400\">said, <\/span><i><span style=\"font-weight: 400\">&#8220;Authentication should not slow down commerce; it should enable it. With biometric authentication powered by passkeys and built in partnership with Mastercard and Visa, we are eliminating one of the biggest friction points in digital payments. This solution not only strengthens security and ensures full RBI compliance but also unlocks higher success rates and better customer experiences for businesses. Our goal is to make authentication instant, invisible, and built for the next decade of AI-driven and mobile-first commerce.&#8221;<\/span><\/i><\/p><\/blockquote>\n<p><span style=\"font-weight: 400\">Today,<\/span><\/p>\n<p><span style=\"font-weight: 400\">The future of Commerce is AI.<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">The future of Authentication is Biometrics.<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">And, Razorpay is powering\u00a0 BOTH.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Built on device-bound secure biometrics and payment passkey protocols, Razorpay now enables cardholders to authenticate online card transactions promptly using biometrics such as fingerprint or facial recognition, eliminating dependence on OTPs and delivering a more secure, faster, and reliable checkout experience. Your customers can now: Discover effortlessly Decide faster Place orders seamlessly Authenticate payments using<\/p>\n","protected":false},"author":150,"featured_media":26531,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1142,26],"tags":[870,105,1144,1145,1143],"class_list":{"0":"post-26498","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cards","8":"category-payments","9":"tag-biometric-authentication","10":"tag-card-payments","11":"tag-mastercard","12":"tag-passkeys","13":"tag-visa"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26498","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/150"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=26498"}],"version-history":[{"count":16,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26498\/revisions"}],"predecessor-version":[{"id":26538,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26498\/revisions\/26538"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/26531"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=26498"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=26498"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=26498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}