Passkeys for Payments
What FIDO2 credentials are, why they matter for checkout, and how to roll them out without losing the long tail.
What a passkey is
A FIDO2 credential bound to a device's secure enclave, synchronized across the user's devices, and resistant to phishing by design.
Why it matters for payments
Passkeys raise authentication conversion, reduce account-takeover loss, and carry stronger SCA and 3DS liability protection than OTP.
Rollout pattern
Opt-in for the early cohort, opt-out for engaged users, OTP fallback for the long tail. Plan cross-device sync from day one.
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