Flipkart, Axis Bank & PayU Launch Biometric Authentication for OTP-Free Card Payments
In April 2026, Flipkart Internet Private Limited, in partnership with Axis Bank Limited and PayU Payments Private Limited, launched biometric authentication for card payments, allowing users to approve transactions using fingerprint or Face ID (Identification) instead of One-Time Passwords (OTPs), marking a major shift toward faster and more secure digital payment systems in India.
About Biometric Card Payment System:
Entities: Flipkart (checkout), PayU (merchant infrastructure), Axis Bank (issuer), and Wibmo (PayU subsidiary) (issuer-side verification) collaborate to enable biometric card payments.
Technology: The system replaces OTP with fingerprint or Face ID on Android and iOS (iPhone Operating System) using device-bound verification, fraud detection, and one-touch approval mechanisms.
Objectives: It aims to reduce OTP delays and failures, prevent SIM(Subscriber Identity Module) swap and phishing fraud, improve transaction success rates, enhance user experience,
Alignment: It aligns with Reserve Bank of India (RBI) Authentication Mechanisms for Digital Payment Transactions Directions, 2025.