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Today’s Customers Expect More from Payments
In India today, getting anything delivered in ten minutes – from your daily groceries to the latest iPhone – is not a luxury; it’s the new normal. A report on customer experience by McKinsey notes that speed has become table stakes for e-commerce and delivery. So when every part of the shopping journey is expected to be instant, why should payments be the bottleneck?
But speed alone is not enough.
When it comes to payments, customers prize one more factor just as highly – security.
In fact, according to the RBI’s latest report, internet and card fraud accounted for 85% of total digital fraud cases, with many of these stemming from compromised authentication factors, including OTPs.
This led our cards team to a simple but powerful question:
How can we deliver a payment experience that matches India’s appetite for instant speed while ensuring uncompromising security?
The answer lay in combining two breakthrough technologies: Device tokenisation and Biometric authentication. Together, they power BlinkToPay, India’s first in-app biometric payment system.
The BlinkToPay Journey
With BlinkToPay, there are no OTPs, no redirects – no friction. The whole payment journey – from card selection to authentication – is done in less than 2 seconds – faster than a blink.
BlinkToPay revolutionises the payment experience by eliminating redirects and OTPs, thereby removing all the friction. The entire payment process, from card selection to authentication, is completed in under 2 seconds: faster than a blink.
That’s not all.
The same cards can be used for offline transactions as well. Simply select your card, verify using biometrics, tap on the NFC-enabled terminal, and your payment is complete.
It’s not magic; it’s the power of technology.
Ready to eliminate OTP friction for your customers? Sign up for Cashfree Payments to offer the fastest card checkout experience in India.
The Tech that makes BlinktoPay Come Alive
BlinkToPay is built by unifying device tokenisation and biometric authentication in a way that has not been done before in India.
Device Tokens – tokens bound to the user’s device have been in use for a while, typically in closed-loop wallet settings and for offline, contactless payments. Biometric authentication through passkeys has primarily been used for website logins. While networks have enabled passkey-based payments, their use has largely remained confined to web checkouts—leaving native apps unable to leverage biometrics for faster repeat payments.
Today, for app-based payments, existing solutions still rely on redirections or external authentication flows. The user is redirected to a bank-hosted OTP page in a web view to complete the OTP verification. This breaks the seamlessness of the payment experience and is highly prone to delays, manual OTP errors, redirection errors and ACS failures. In fact, 65% of card payment failures happen today at the verification stage.
BlinkToPay is different.
It brings these two technologies – device tokenisation and biometric authentication – in a single in-app flow. The entire flow, from card selection to biometric authentication, happens inside the merchant’s app environment. These device-tokenised cards can also be used offline for tap-to-pay transactions on NFC-enabled terminals. The result is the first-of-its-kind card payment experience that is also omnichannel.
What BlinkToPay Unlocks for Businesses and Customers
Businesses thrive when customers can make payments without a glitch, whether it’s an impulse buy or a travel booking during peak hours – payments should never be a blocker.
With BlinktoPay, it never will be.
10X Faster Card Payments
BlinktoPay allows users to pay in under 2 seconds, as opposed to an average card checkout time of 30 seconds. This ensures that customers do not abandon their carts due to payment friction; instead, they receive a delightful experience.
50% Fewer Disputes
Industry research indicates that biometric authentication can reduce payment fraud by up to 50%. This means fewer disputes and chargebacks for the businesses. Mastercard’s Biometrics Market Intelligence report reveals that a whopping 80% of customers feel more secure paying via biometrics. Biometric payments – a win-win for both businesses and customers.
6% Higher Success Rates
By eliminating OTP delays, redirects, and typing errors, biometric authentication improves transaction success rates by up to 5%, nearly twice the reliability compared to OTP flows. Never miss a purchase or a sale due to payment failure.
Omnichannel Experience
By enabling tap-to-pay within your app, businesses can give users one more reason to open the app more frequently, interact more deeply, and ultimately, make more purchases.
BlinkToPay isn’t just a new way to pay – it’s a reimagination of how card payments should work for digital-first India. With the promise of fast, secure and omnichannel payments, it sets a new benchmark for what customers and businesses can expect from payments.
At Cashfree, our mission is simple: to make payments invisible, intuitive, and instant so that businesses can grow without friction, and customers can pay without a second thought.
Secure your business and your customers’ data with India’s most advanced payment stack. Create your account and activate BlinkToPay today.
