The solution replaces cumbersome OTPs with biometric verification
Federal Bank in collaboration with fintech partners M2P and MinkasuPay has introduced the first-ever biometric authentication solution for e-commerce card transactions.
Customers can now authenticate online purchases using just a touch or a look—their fingerprint or face ID. This solution not only enhances security but also significantly improves transaction speed and user experience.
The solution replaces cumbersome OTPs with biometric verification, reducing transaction times to just 3–4 seconds, while enhancing the security. The solution is designed to combine simplicity with security offering users a seamless experience, a press note issued here said.
Virat Sunil Diwanji, National Head – Consumer Banking, Federal Bank said this launch is more than a tech upgrade. It is a transformation in how customers experience banking. Biometric authentication makes secure payments feel natural and seamless.
The biometric solution is fully compliant with RBI’s Two-Factor Authentication guidelines, and ensures fallback to OTP in case biometrics are not captured. Customers can enrol with a one-time consent during checkout, and use the feature seamlessly on supported merchant apps. It works across compatible Android and iOS smartphones, and can be integrated by merchants via a lightweight SDK.
The innovation is now live for Federal Bank debit and credit cardholders across select partner merchants and will be expanded in a phased manner.
Published on July 24, 2025
