Mastercard Passkey

Mastercard Passkey is a passwordless authentication service that uses device biometrics instead of one-time passwords (OTPs).

Mastercard® Passkey

Mastercard Passkey on N-Genius delivers stronger security and a smoother checkout experience for your customers.


Overview

Passkey replaces traditional passwords and OTPs with biometric authentication (such as fingerprint or facial recognition). It provides a secure, frictionless way for customers to approve payments when shopping online with their Mastercard cards.

Pay with Mastercard

Customer checks out on your site.

First-time OTP

Standard OTP is used for the initial purchase.

Invite to Register

Customer is prompted to register a Passkey.

Biometric Setup

Fingerprint or Face ID is bound to the card.

Next Purchases

No OTP — customer authenticates with biometrics.


Key Benefits

  • Biometric Authentication
    Customers use device-based biometrics to verify transactions — no OTPs or complex passwords.

  • Enhanced Security
    Reduces phishing and credential-theft risks by eliminating OTPs from the flow. Biometric data is unique and harder to replicate.

  • Seamless Experience
    Faster, simpler checkout process across devices and browsers.

  • Improved Approval Rates
    With stronger authentication, transactions are less likely to be declined as “suspected fraud.”


Enablement

  • Available across the entire N-Genius merchant base (all regions, sectors, and merchant sizes).
  • Please contact E-commerce team to enable Passkey on the N-Genius portal.
  • Once enabled, customers paying with Mastercard will be invited to register for Passkey after completing a successful OTP-authenticated transaction.
  • After registration, subsequent Mastercard transactions will be authenticated with biometrics only.


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