Future-Ready Authentication with Wibmo Passkey

Deliver faster, phishing-resistant, and frictionless checkout experiences with Passkey technology.

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What is Wibmo Passkey?

Wibmo Passkey is an issuer-led, FIDO-compliant authentication solution designed to replace OTP-based flows with secure, biometric-driven authentication. Built on WebAuthn and EMVCo standards, Passkey ensures phishing resistance, eliminates credential-stuffing risks, and delivers split-second payments under 12 seconds.

Biometric Authentication

Authenticate using Face ID, fingerprint, or device PIN.

OTP-Free Checkout

No more delays or drop-offs caused by OTP failures.

Enhanced Security

Private key never leaves the device; phishing-resistant and replay-proof.

Issuer Control

Greater visibility and risk management compared to network-led models.

Why Passkeys Matter Now

The shift to passwordless is here—mass device support, UX expectations, and regulatory focus make passkeys the practical path to safer, smoother checkout.

4B+ Devices Globally Enabled with FIDO Authentication

Consumer Demand for Faster, OTP-Free Authentication

Regulatory Push for Improved Checkout Experience

Problems with OTP: High latency, phishing risk, and customer drop- offs.

Core Benefits

A single view of the impact: stronger security, better approvals, lower latency, and higher conversion-all without adding friction.

77% Reduction in Fraud (Visa benchmark)

4%+ Higher Approval Rates Globally

80% Reduction in Card Payment Latency

1.5–2% Higher Transaction Success Rates

Lower Cart Abandonment due to faster checkout.

Consumer Experience

Simple opt‑in, quick repeat payments, and a graceful fallback when needed-so everyday checkout feels effortless and familiar.

Registration Flow

Opt-in within existing payment journey; secure device and browser fingerprinting.

Repeat Payments

Validate device and browser details; invoke WebAuthn APIs for seamless authentication.

Fallback

Automatic OTP fallback in case biometric authentication fails.

Ecosystem Benefits

Clear value for every participant-merchants see smoother flows, issuers gain control and risk reduction, and consumers enjoy fast, OTP‑free payments.

For Merchants

No integration changes; frictionless checkout.

For Issuers

Greater control, reduced fraud, higher approvals.

For Consumers

Familiar biometrics, OTP-free, faster payments.

Why Wibmo’s Approach is Different?

Issuer visibility and control with risk‑aware orchestration and inline fallbacks-delivered with strict alignment to FIDO and EMVCo standards.

Seamless Inline Fallbacks

Compliance with FIDO & EMVCo Standards

Issuer Visibility & Control

Risk-Based Authentication (RBA)