Think about the last time you shopped for something on the Flipkart app and paid online. You tap the pay button, and then a long payment process begins. From entering your card details, waiting for the OTP, switching apps, copying it, coming back, and entering it, you spend at least a few minutes just making the payment. And then imagine – it suddenly fails.
They might seem like a few easy steps, but sometimes, they are enough to create problems in your shopping experience. What if, during this relatively longer payment process, your cart gets stocked out? In such moments, speed is everything that counts.
But there’s another side to this, too.
At this stage, even a small gap in the process can become a point of risk – delayed OTPs, interruptions, or even phishing and vishing attempts where users are tricked into sharing OTPs.
Now imagine completing a payment taking the same time as just opening up your phone?
This is the exact shift that PayU is enabling for Axis Bank payments on Flipkart.
With biometric authentication for card payments, powered by PayU and enabled for Axis Bank users, you can now approve transactions using your fingerprint or Face ID – without waiting for OTPs in most cases.
The Problem Shoppers No Longer Notice
Traditional OTP based authentication for payments has now turned into a habit – everyone has been doing it for years now. It mostly works, and it is trusted, but it is not always smooth and seamless. And there are not just one but multiple reasons for it:
- Delayed OTPs
- Network issues
- Entering incorrect pins
- Session timeouts
- Multiple OTP issues
- Vulnerability to phishing and vishing attacks
And more.
These reasons often lead to failed payments or abandoned transactions. And while you might have had the habit of paying via traditional OTP-based authentication, facing these issues has become a habit too.
Biometric authentication builds on this trusted flow by reducing dependency on OTPs during the final step. When it’s your face or touch that completes the verification process, the experience becomes faster, more direct, and less prone to interruptions – while maintaining strong security standards.
How PayU Powers the Instant Payment Experience on Flipkart App
While making a payment, speed is important. But security matters just as much, maybe a little more. This is where PayU comes in to strengthen the idea of fast and secure payments.
With the rising complexity of fraud, OTP based systems – while widely trusted – can be vulnerable to phishing and social engineering attacks.
With FlashPay, authentication becomes more tightly linked to the user and their device. You get multiple layers of checks working together – from secure device binding to encrypted authentication – turning the payment process into a safer and more reliable experience.
In collaboration with Flipkart and Axis Bank, PayU enables the entire biometric authentication flow, ensuring that every transaction is fast, secure, and reliable. From device encryption to issuer-level authentication, PayU enables the system behind the scenes so that the shopper experience remains seamless and protected.
Pay with just a Glance or a Touch
Payments through biometric authentication are not just a feature upgrade for convenience. It is much more than that. It is 80% faster and completes payment authentication in less than 10 seconds. Further, reduced reliance on network conditions lowers the risk of user error and strengthens protection against fraud risks such as OTP phishing.
If you wish to use biometric payments on Flipkart, you just need to follow these simple steps:
- Add products to your cart and proceed to checkout.
- Select your Axis Bank card.
- Tap on the button that asks you to pay with biometric authentication.
- The PayU payment gateway will open up on your phone.
- A biometric prompt appears on your screen.
- Use Face ID or fingerprint to authenticate.
- Axis Bank verifies the transaction, and the payment is completed instantly through PayU
If needed, OTP based authentication is always available as a secure fallback.
A Payment Experience That Keeps Up With You
Today, everything is faster – browsing, selecting, and ordering. And this is why payments need to keep up with the pace too, as they are an important part of the shopping experience.
With PayU-powered biometric authentication, now available on Flipkart, payments become quicker, more reliable, and better protected against evolving fraud risks – without disrupting the existing ecosystem.
Just faster, safer, and more seamless.
