FlashPay is a biometric authentication solution built on 3DS that enables users to complete card payments using Face ID or fingerprint within the merchant app.

How does FlashPay improve success rates?

By removing OTP-related delays and errors, it improves authentication success rates by up to 5%.

Does FlashPay reduce payment latency?

Yes, it reduces authentication latency by up to 80% compared to traditional OTP-based flows.

How does FlashPay ensure security?

It uses bank-level authentication via ACS, along with device and SIM binding for secure verification.

What happens if biometric authentication fails?

FlashPay automatically switches to OTP authentication to ensure the transaction is completed.

Is FlashPay compliant with RBI guidelines?

Yes, it operates on 3DS protocols and complies with RBI authentication requirements.

Will users need to register for FlashPay?

Yes, users complete a one-time biometric registration during their first transaction.

Is integration complex?

No. FlashPay offers a simple SDK integration and works on existing 3DS infrastructure. Merchants can choose between coupled and decoupled integration based on their setup.

Does FlashPay help reduce fraud?

Yes, it strengthens authentication using biometrics, issuer validation, and device-level checks.

PayU FlashPay

10 sec authentication. Up to +5% higher success rates with FlashPay

Q: Does FlashPay support all card types?

Yes, it supports credit cards, debit cards, tokenized cards, and guest checkout flows.

Move beyond OTP-based authentication. FlashPay enables biometric verification within your app, reducing latency by 80%, improving success rates by 5%, and delivering a faster, more secure checkout experience.

Enable FlashPay

Authentication That Happens Inside Your App, Not Outside It

FlashPay is built on 3DS protocols and enables card authentication using device biometrics directly within your app. No redirects, no dependency on external flows. Just a faster, more controlled payment experience.

Biometric Authentication Within Your App

Users verify using Face ID or fingerprint without being redirected to third-party pages

Built On Existing 3DS Infrastructure

Works seamlessly with current payment flows with minimal changes

Supports All Card Types And Networks

Credit cards, debit cards, tokenized cards, and guest checkout across major networks

Bank-level Verification For Every Transaction

Ensures payments are authenticated by the user’s bank for a more secure and reliable experience

Secure Device And SIM Binding

Ensures transactions are tied to a verified user and device

Fallback Built Into The Flow

OTP authentication is triggered automatically when required

Designed For Faster, More Reliable Payment Completion

Authentication is where a significant number of transactions fail. OTP delays, timeouts, and user errors can impact up to 20–30% of payment attempts. FlashPay reduces these points of failure and improves overall payment reliability.

Up To +5% Higher Success Rates

Recover transactions that typically fail during authentication

Up To 80% Lower Latency

Faster authentication compared to traditional OTP flows

Payments Completed In Under 10 Seconds

Keep users engaged through to completion

Reduced Dependency On Network Conditions

Biometric authentication works without waiting for OTP delivery

Lower Fraud Risk With Stronger Verification

Device binding and issuer-level checks improve transaction security

One Integration. Multiple Authentication Experiences

FlashPay is designed to work across banks and user scenarios without adding complexity. With a single SDK integration, you can enable both biometric and native OTP authentication seamlessly within your app.

Biometric Flow For Supported BanksUsers authenticate using Face ID or fingerprint when their bank supports biometric authentication.

Native OTP Flow Within Your AppFor banks that do not support biometrics, FlashPay enables a native OTP experience inside your app. No redirects, no broken journeys.

Single SDK IntegrationOne integration powers both flows. No need to manage separate authentication systems.

Flexible Integration OptionsChoose between coupled and decoupled integration based on your existing setup and control preferences.

Consistent User Experience Across FlowsWhether biometric or OTP, the experience stays fast, secure, and within your app.

Where Speed, Reliability, And Trust Matter Most

The moment where it matters

You’re hosting a concert. Tickets go live and traffic spikes instantly.
Users are ready to pay, but OTP delays slow everything down. Some payments fail. Some users drop off.

That’s revenue lost in seconds and a broken customer experience.

FlashPay removes that friction. Authentication happens under 10 seconds, so more users complete their payments while intent is still high.

E-commerce

Improve conversion rates at checkout by reducing authentication failures and delays.

Quick Commerce And Food Delivery

Enable faster repeat transactions where speed directly impacts order completion.

Travel And Ticketing

Handle high-demand booking windows without payment failures caused by authentication delays.

Bill Payments And Utilities

Ensure reliable payment completion even in low or inconsistent network conditions.

Apps With Saved Cards

Make repeat purchases seamless with faster, biometric-based authentication.

A Simpler Path From Checkout To Confirmation

A one-time registration flow that enables users to securely set up biometric authentication for faster future payments.

1. Customer enters or selects a card

2. FlashPay checks eligibility in real time

3. Authentication is triggered within the app

4. User verifies using Face ID or fingerprint

5. Bank ACS validates the authentication

6. Payment is completed

Pricing That Scales With Your Business. No Surprises.

No setup or onboarding fees. You only pay based on usage, keeping costs predictable and ROI easy to track.

10 sec authentication. Up to +5% higher success rates with FlashPay

Move beyond OTP-based authentication. FlashPay enables biometric verification within your app, reducing latency by 80%, improving success rates by 5%, and delivering a faster, more secure checkout experience.

Authentication That Happens Inside Your App, Not Outside It