Checkout.com Launches Visa Payment Passkey
The new service replaces traditional one-time passcodes with biometric authentication for digital transactions.
Updated on Oct. 30, 2026 in Artificial Intelligence
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Checkout.com has introduced the Visa Payment Passkey to streamline online checkouts for merchants. The technology replaces manual passcodes with device-based fingerprint or face scans to verify identities.
Why it matters
This implementation aims to reduce transaction friction for consumers while enhancing security for both human users and AI shopping agents. Authentication is increasingly necessary to distinguish legitimate purchasers from malicious bots.
The system requires zero additional checkout flows for implementation, as it integrates directly with existing Checkout.com infrastructure. Merchants leverage the Visa Trusted Agent Protocol to authenticate transactions conducted by AI agents.
The players
Checkout.com
This global financial technology company provides cloud-based payment processing solutions to enterprise merchants.
Visa
This multinational financial services corporation operates a global payments network and develops digital authentication standards.
The details
The service utilizes the device unlock method of the cardholder, such as a fingerprint or face scan, to facilitate secure payments. It also supports the Visa Trusted Agent Protocol, which helps merchants verify the identity of AI-powered shopping tools.
Timeline
October 30, 2026: Checkout.com announced the launch of Visa Payment Passkey.
The Tech Race
The adoption of the Visa Payment Passkey follows the shift toward the FIDO Alliance's passwordless authentication standards to move away from legacy security credentials. It represents a broader effort to modernize digital transaction security while addressing the rise of autonomous AI shopping agents.
Online shoppers in supported markets will see one-time passcodes replaced by convenient fingerprint or facial recognition on their personal devices. This upgrade simplifies the checkout experience while maintaining strong security standards for financial transactions.
The takeaway
Moving to biometric-based authentication significantly reduces the risk of password-related fraud during online checkouts. Consumers should ensure their device biometrics are up to date to take advantage of these streamlined payment options as they become available.
Further reading
Learn more about evolving digital verification methods in our Artificial Intelligence section.
Source note: This article includes information reported by Financial IT.
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