Biometrics replace one-time codes when available
Checkout.com announced on 29 October that it is live with Visa Payment Passkey, beginning with selected merchants in the UK and Europe. Eligible cardholders can authenticate an online payment using the device method they already use, such as a fingerprint or face scan, instead of entering a one-time code. Checkout.com says the capability runs through its existing authentication infrastructure and does not require a merchant to build a separate checkout flow.
Fallback authentication remains part of the flow
The phased rollout supports first-time and returning customers, with Checkout.com highlighting repeat-purchase businesses such as retailers, marketplaces, food delivery platforms and digital services. Where passkey authentication is unavailable, the transaction continues through the merchant’s existing verification method. The company is also supporting Visa’s Trusted Agent Protocol to help distinguish approved AI shopping agents from malicious automation. The announcement does not quantify conversion gains or specify which merchants, issuers and devices are currently eligible.
What it means for merchants
Merchants should test passkey availability, fallback rates, issuer coverage and liability outcomes by market before forecasting conversion improvement. Monitor abandonment, authentication success and fraud separately for passkey and legacy flows, and ensure customer support can explain why some transactions still require an OTP or other challenge.
Read the original announcement
Checkout.com · 29 Oct 2026This brief summarizes the linked primary source. Claims and reported figures have not been independently audited by Payment Guide.