Flipkart, in partnership with Axis Bank and PayU, has introduced biometric authentication for card payments, marking a significant step toward faster and more secure digital transactions in India.
The new feature allows customers to approve transactions using fingerprint or Face ID on compatible Android and iOS devices, removing the need for OTP-based verification. Initially rolled out for Axis Bank cardholders, the system uses issuer-level biometric authentication, offering a seamless and intuitive payment experience.
As digital payments grow rapidly, concerns around fraud and transaction failures have also increased. By replacing SMS-based OTPs, the biometric solution addresses common friction points such as delays and failed authentications. Backed by device binding and advanced security checks, the feature significantly reduces risks associated with SIM swap fraud and OTP interception.
Under this collaboration, PayU manages the merchant-side infrastructure, including authentication flows and device security, while Axis Bank leverages Wibmo to enable biometric verification. The initiative aligns with evolving regulatory guidance encouraging stronger authentication mechanisms, contributing to a more resilient and secure payments ecosystem.
Hemang Dattani, Chief Business Officer, PayU Payments, said, “Simplifying payments without compromising security is critical. This partnership enables a biometric authentication experience that removes friction associated with OTPs while ensuring stronger protection for consumers.”
Gaurav Arora, Vice President, Payments and SuperCoins at Flipkart, added, “Our focus remains on building trust-led innovation. Biometric authentication enables a seamless yet secure payment journey, addressing rising concerns around digital fraud while improving user experience.”
Arnika Dixit, President & Head – Cards, Payments and Wealth Management, Axis Bank, said, “Customers today expect payments to be both secure and effortless. This rollout reflects our commitment to delivering advanced, future-ready solutions that enhance both safety and convenience.”
This initiative signals a broader shift in India’s digital payments landscape, as industry leaders move beyond OTP-based systems toward faster, biometric-driven authentication models.
