Which Payment Providers offer Passkeys?

Which Payment Providers offer Passkeys?#

Passkeys in payment transform how users authorize transactions securely without passwords or OTPs. In the USA, Australia, Europ and Asia, payment providers are embracing passkeys to reduce fraud and enhance security. This article covers which payment providers support passkeys and why passkeys are the future of online payment authentication.

Passkeys are a secure, passwordless authentication method based on FIDO2 and WebAuthn standards. They provide a faster and safer way for users to access their payment accounts by replacing passwords with biometric authentication. Some payment providers that have fully implemented passkeys include PayPal, Klarna and SumUp. Others are in various stages of development or offering limited availability.

Benefits of Passkeys for Payment Providers#

• Passkeys in payment prevent phishing and fraud: Passkeys eliminate phishing and password-related breaches, as they are phishing-resistant and prevent attacks such as credential stuffing or account takeovers.
• Better user experience in the checkout, login and sign-up process: The quick and simple login and sign-up process with biometrics (e.g. Face ID, Touch ID, Windows Hello, Android Biometrics) is something that users are already familiar with. No additional app or extra hardware device needs to be purchased, which makes things easier for the user.
• Passkeys reduce operational costs for payment providers: Passkeys reduce providers’ reliance on costly SMS-based 2FA methods or other operational costs in the customer support or IT support team (e.g. to recover accounts or help on password / MFA resets). Moreover, the reduction of fraud by passkeys helps to prevent costly cases where customers might be scammed.

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Why are Payment Providers adopting Passkeys?#

Payment providers are adopting passkeys to address growing cybersecurity threats and customer demands for seamless digital experiences. Traditional authentication methods, such as passwords and SMS OTP, are vulnerable to phishing, SIM-swapping attacks and have poor user experience. Passkeys solve these issues by leveraging public-private key cryptography.

Features of Passkeys for Payment Providers#

• Phishing Resistance: Passkeys are bound to specific domains, thus preventing use on fraudulent sites.
• Support across devices: Passkeys in payment applications ensure seamless access for users across multiple devices. Whether you’re using Face ID on iPhone, Windows Hello on a laptop, or Android biometrics, passkeys can sync through iCloud Keychain or Google Password Manager, making online payments effortless.
• Improved User Experience (UX): Passkeys offer a frictionless authentication process during payment checkout, significantly reducing transaction abandonment and increasing successful payment completions.

Overview of Payment Providers supporting Passkeys#

In the following, you’ll see an overview of which payment providers use passkeys to protect their users.

Which payment providers in the USA offer passkeys?#

Many leading payment providers in the USA are either already supporting passkeys or working towards their passkey implementation.

Does PayPal offer passkeys?#

Yes! PayPal fully supports passkeys. Users have been able to use passkeys since late 2022. PayPal actively advocates for synced passkeys being compliant to these regulations (e.g. in PSD3) and pushing a more outcome-focused approach for SCA.

Read our full analyis on PayPal Passkeys here.

Does Stripe support passkeys?#

Stripe offers full passkey support for its users, specifically for secure, passwordless login to the Stripe Dashboard using biometric authentication. However, passkeys are not used for authenticating transactions within the payment checkout process itself.

Does Link (by Stripe) support passkeys?#

Link (by Stripe) offers full passkey support for its users. You can set up a passkey through your user profile, enabling secure, passwordless login to the Stripe Dashboard using biometric authentication.

Passkeys on Link

Does Square (Block, Inc.) support passkeys?#

Square offers full passkey support for its users, specifically for secure, passwordless login to the Square Dashboard using biometric authentication. However, passkeys are not used for authenticating transactions within the payment checkout process itself.

Does Adyen support passkeys?#

Adyen currently does not support passkey authentication for user accounts. The company employs other multi-factor authentication (MFA) methods, including one-time passwords (OTP) and authenticator apps, to secure user access.

Does Authorize .net (a Visa solution) offer passkeys?#

Authorize. net has not implemented passkey support. The platform secures user accounts using multi-factor authentication (MFA), requiring a one-time passcode or PIN verification sent to the registered email during each login.

Does Fiserv (Clover) support passkeys?#

Fiserv's Clover does not currently support passkeys for merchant account logins, focusing instead on OAuth.

Which payment providers in Australia offer passkeys?#

While passkey adoption among Australian payment providers is still limited, several key players have begun supporting passkeys or are exploring their implementation.

Does Afterpay offer passkeys?#

Afterpay currently does not offer passkeys. It uses email/password and SMS-based two-factor authentication, with no announced plans for passkey implementation yet.

Does Zip Co offer passkeys?#

Zip Co fully supports passkeys, allowing customers to securely log in using biometric authentication methods such as fingerprint or facial recognition.

Does Azupay (Does Pay by Bank) support passkeys?#

Pay by Bank fully supports passkeys, enabling secure, passwordless payments directly from your bank account. Users can easily set up passkeys through their mobile or desktop devices and authenticate repeat transactions with biometrics or a device PIN, ensuring safe and seamless payments without needing third-party apps or digital wallets.

Does pay.com.au support passkeys?#

pay.com.au offers full support for passkeys, enabling customers to securely sign in using biometric authentication methods like fingerprints or facial recognition.

Does Airwallex offer passkeys?#

Airwallex does not currently support passkeys.

Does Tyro Payments offer passkeys?#

Tyro Payments has no public information on passkey implementation. Currently, the company doesn't support passkeys or indicate plans to adopt them.

Which payment providers in Europe offer passkeys?#

European payment providers and fintechs are gradually adopting passkeys, driven by PSD2/SCA requirements and user demand.

Does Klarna offer passkeys?#

Yes, as of January 2026, Klarna supports passkeys. However, passkey creation is only possible from the iOS or Android app (not on the website). Moreover, native biometric login is also available within the Klarna app.

Does Adyen offer passkeys?#

Adyen does not support passkeys. The company employs multi-factor authentication (MFA) methods, including authenticator apps and SMS verification, to secure user access.

Does SumUp offer passkeys?#

SumUp offers passkey login for user accounts, enabling secure access via device biometrics or PIN through supported web browsers. However, passkeys are not used for authenticating transactions within the payment checkout process itself.

Key Highlights:

• Browser-Based Authentication: Fully supports passkeys on modern web browsers.
• User Convenience Focused: Early adoption has driven user-friendly login processes for merchants.

Secure login – SumUp

Does Wise offer passkeys?#

Wise (formerly TransferWise) offers passkeys as a login method to its customers. Currently, you can make use of passkey to log into the portal. However, payments need still to be authenticated the conventional way.

Does Worldline offer passkeys?#

Worldline does not currently support passkeys. The company utilizes two-factor authentication (2FA) methods, including authenticator apps, to secure user access.

Which payment providers in Asia offer passkeys?#

Asia is a key region for passkey adoption, with large digital payment platforms integrating advanced authentication.

Does AliPay offer passkeys?#

AliPay does not currently support passkeys. The platform relies on traditional password-based authentication and two-factor authentication (2FA) via SMS or email. There is no public indication of passkey implementation at this time.

Does WeChat Pay offer passkeys?#

WeChat Pay has partially implemented passkey support. As of November 2024, passkey login is available for iOS users outside of China, allowing authentication via Face ID, Touch ID, or device passcode. This feature is not yet available for users within China or on Android devices.

iOS Passkey is here – WeChat account

Does GrabPay offer passkeys?#

Grab has introduced passkey authentication within its main application as of December 2024, enabling biometric login methods. However, specific support for GrabPay transactions has not yet been publicly confirmed. Passkey implementation specifically for GrabPay remains under development.

Does Razorpay offer passkeys?#

Razorpay is currently piloting passkey support in collaboration with Mastercard's Payment Passkey Service in India. This initiative enables biometric authentication for online transactions, aiming to enhance security and user convenience.

Razorpay Biometric Authentication

Do Payment Providers support Hardware Security Keys (e.g. YubiKeys)?#

Some payment platforms may support hardware security keys like YubiKeys, typically as a phishing-resistant two-factor authentication (2FA) method alongside passwords.

Key insights:

• Standalone multi-factor authentication (MFA) using YubiKeys for all payment provider accounts is not yet universal.
• FIDO-based passwordless login (passkeys) is gaining momentum, with hardware keys often serving as an additional security layer rather than the primary login method for consumers.
• As the industry moves towards passwordless payments, passkeys are likely to become the preferred method over physical security keys for general consumer use due to ease of use and device compatibility.

Passwordless Authentication in Payments#

Payment providers worldwide are actively transitioning to passwordless authentication due to the rising risks of phishing, social engineering attacks and credential theft. With the increasing use of AI-powered phishing tactics, traditional passwords have become a major security vulnerability.

Hybrid Phase: The Transition to Passkeys#

While payment providers aim to eliminate passwords, the transition will happen in phases:

1. Current state: A hybrid model where providers offer both password-based and passwordless authentication methods, such as passkeys.
2. Near future: Increased adoption of payment passkeys, with passwords gradually phased out.
3. Long-term goal: A fully passwordless payment experience for both consumer and business/merchant accounts.

As more payment providers integrate passkeys, customers will expect passwordless authentication to be the default standard. Stay ahead of the curve by adopting passkeys for payments today!