VPP users can now authenticate transactions using the same methods they use to unlock phones. (FILE PHOTO)
| Photo Credit: Dado Ruvic
Global payment technology company Visa rolled out the Visa Payment Passkey (VPP), an OTP-less authenticated payment facility for credit card holders of partner firms here on Thursday.VPP users can now authenticate transactions using the same methods they use to unlock phones. This means a One Time Password (OTP) will not be required to verify the payment. Cardholders can use fingerprint, facial recognition, PIN, password or pattern.The payment solution, which comes after Reserve Bank of India’s proposals to create alternative factor authentication, is live for IDFC First credit card users. Further it has been made available to select users of the company’s partners Myntra, Paytm, MakeMyTrip, Tata Starbucks, Reliance Digital, and EatSure (Rebel Foods); along with a strong network of fintech partners - Juspay, Wibmo, Razorpay, PayU, Pine Labs, BillDesk, M2P Fintech, Paytm Payments Services among others.“Wherever you feel safe to save your card credentials, today you go and tokenise your card credentials. That’s exactly the same way how authentication is going to play out. Whichever merchant apps you use, we will allow you to register yourself biometrically and then that gets used subsequently during the transaction phase,” said Ramakrishnan Gopalan Head – Products, India and South Asia, Visa.Payment solution providers Razor pay, Mastercard and Visa have all announced the rollout of this payment verification mechanism. Published - July 02, 2026 09:18 pm IST
