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Now use Fingerprint, Face ID or PayPIN to make seamless payments instantly via Axis Bank Net Banking

Frequently Asked Questions (FAQs) - Biometric Net Banking Payments

What is Two-Factor Authentication(2FA)? Why is it required?
2FA is mandated by RBI to increase the security of all digital transactions by adding two factors of authentication. The factors of authentication can be username, password, grid number, security questions, OTP, Fingerprint or Face ID.
What is Minkasu Two-Factor Authentication (2FA)? How secure is this solution?
Minkasu 2FA is the secure authentication system which is offered in partnership with Axis Bank. Minkasu 2FA eliminates the need for username, password, grid number, security questions and OTPs which are susceptible to social engineering attacks such as phishing, vishing and smishing, etc.
How do I pay using Biometric authentication?
Once the biometric setup is done, you can pay seamlessly using the following steps:

1. On the checkout screen of the partner merchant app, Choose Net Banking and select Axis Bank from the available options

2. You’ll get the biometric authentication page directly, authenticate the payment using your Fingerprint, Face ID or enter the 4 digit PayPIN to complete the transaction


Note: To activate Biometric authentication, make sure that the phone number in the Partner merchant profile matches with your bank verified/registered phone number

How is this beneficial to me?

It is quicker and more secure. As a user, you just need to tap the pay button and use your Fingerprint/ Face ID. You don’t need to go through the friction of entering your username, password, grid number, security questions and OTPs for every transaction. Typical net banking transactions take around 45 to 60 seconds and the user has to make 30-40 clicks. By using Biometric authentication, you can complete a net banking transaction within 3-4 seconds by using your Fingerprint/ Face ID.*

What if I don't receive a Setup Code (OTP) via SMS?
If you don’t receive the Setup Code within 30 seconds, then press ‘Resend Setup Code’ button on the Setup Code entry screen.
I don't have a Fingerprint/ Face ID stored in the device at the time of setting up my PayPIN. Can I enable my Fingerprint later?
Yes. You can add your Fingerprint/ Face ID in your device and enable it later. While doing a repeat transaction with Partner merchant you will see ‘Enable Fingerprint/ Face ID’ check box. You have to enter your Partner merchant PayPIN to enable the new Fingerprint/ Face ID.
I changed/ added my Fingerprint/ Face ID on the device recently. Will I have to enable the new Fingerprint/ Face ID for payment again?

Yes. You need to enable the new Fingerprint/ Face ID again in your Partner merchant app by entering your Partner merchant PayPIN while making your next payment.

I have multiple Fingerprints/ Face IDs on my device. Would Minkasu 2FA be enabled for all my Fingerprints/ Face IDs, or only for the Fingerprint/ Face ID which I used during the onboarding process?
Minkasu 2FA would be enabled for all the Fingerprints/ Face IDs registered on the device at the time of onboarding.
I have my Fingerprint/ Face ID stored in the device but I do not want to use it for the purpose of making a payment. Can I choose to skip that?
Yes. In the Partner merchant PayPIN creation screen just uncheck ‘Enable Fingerprint/ Face ID’ check box. Now you can make your payment by just using Partner merchant PayPIN and you don’t need to enter username, password, grid number, security questions and OTPs for all your future transactions.
What if my device doesn’t have Fingerprint/ Face ID sensor?
If your mobile device does not have Fingerprint/ Face ID sensor , you can use the Partner merchant PayPIN for making payments instead of going through the cumbersome process of entering username, password, grid number, security questions and OTPs.
I'm on Minkasu 2FA Repeat Payment screen but I want to make the payment with a different net banking account. How do I do it?
You can click on ‘Change’ button at the top right of the Minkasu 2FA Repeat Payment screen to make the payment using a different net banking account.
Do I need to pay any extra charges to use Biometric authentication for payments?

No, the user need not pay any extra money for making payments using Biometric authentication.

Is setting up a Partner merchant PayPIN mandatory? 
Yes. Setting up a Partner merchant PayPIN is mandatory.
What if I forget or want to change my Partner merchant PayPIN?
You can setup a new Partner merchant PayPIN by clicking on ‘Forgot PayPIN’ button on the Repeat Payment screen after choosing Axis Bank Net Banking. You will be re-directed to the bank’s Net Banking login Screen and you would have to go through the onboarding process again to set up a new Partner merchant PayPIN.
What if I want to enable my Fingerprint/ Face ID but forget my Partner merchant PayPIN?
If you forgot your Partner merchant PayPIN then click on ‘Forgot PayPIN’ button in the Repeat Payment screen after choosing Axis Bank NetBanking. You will be re-directed to the bank’s Net Banking login Screen and you have to go through the onboarding process again to setup a new Partner merchant PayPIN.
What if I want to change my Partner merchant PayPIN but the number I used to register for the Partner merchant / bank is no longer in use?
Please make sure that you have updated your new phone number with your bank and in your Partner merchant app. Once the phone number is updated by Partner merchant and bank, you will be automatically taken through the biometric enablement process again while making your payment in the Partner merchant app.
I deleted and reinstalled Partner merchant app and now I am unable to see the Biometric payment Screen. What should I do?
Once you delete and reinstall your Partner merchant app you will need to go through the biometric enablement process again. Please select net banking in the payments screen and choose Axis Bank to proceed to Biometric enablement flow.
Why does it ask me to set up a PayPIN for every new app which has Biometric payment flow?
Biometric payment solution is specific to each merchant app. So you need to go through the onboarding process and set up a new PayPIN for every new app.
Can I use the same Partner merchant PayPIN across multiple apps?
You can. But we do not recommend it for security reasons. Please setup a unique PayPIN for each merchant app.
Can I use the same Partner merchant PayPIN across multiple devices?
Yes. As long as you are using the same profile/ phone number in the Partner merchant app, the same PayPIN will be enabled across devices for your Partner merchant app.
How do I disable my Fingerprint/ Face ID for making payments?
You can disable your Fingerprint/ Face ID for making payments by clicking on ‘Forgot PayPIN’ on the Biometric Payment screen. You will be re-directed to the bank’s Net Banking login Screen and you would have to go through the onboarding process again to disable your Fingerprint/ Face ID.
Why is a Setup Code required?
Setup Code is sent to your verified (bank) phone number to verify your contact details. It is the second factor of authentication before enabling biometric payments in partner merchant app.
If Minkasu 2FA aims at eliminating OTPs, why am I still getting an SMS with a setup code?
Setup Code is sent to your bank verified phone number to verify your phone number. It is the second factor of authentication before enabling biometric payments in your Partner merchant app. This needs to be done only once during the onboarding process. Once you have completed the onboarding process you don’t need to enter OTPs for all your future payments.
Why does it ask me to enter the Setup Code every time I use a new device?
Biometric payment solution is specific to each merchant app and each device. So you need to enter the Setup Code for every new device for your Partner merchant app. As long as you are using the same profile/ phone number in the Partner merchant app, the same Partner merchant PayPIN will be enabled across devices for your Partner merchant app
Does Minkasu 2FA or Partner merchant, store my bank Username or Password?
Minkasu 2FA and partner merchant don’t store your username or password. Minkasu 2FA is a patented technology that uses Public Key Infrastructure (PKI) and cryptographically signed digital signatures for making quick and secure payments.
Is Minkasu 2FA available in all devices and Operating systems?
Minkasu 2FA or Biometric payment solution is only available on Partner merchant app. Fingerprint can be enabled on Android phones with OS version 5.0 and above and iOS version 10.0 and above. Face ID can be enabled only on iOS version 10.0 and above 
Do I have to install any app?
No. You don’t need to install any new app.
Can Biometric authentication be used to make payments on mobile web browsers?
Minkasu 2FA removes the payment friction by enabling biometric for in-app payments only.
Does Minkasu 2FA or partner merchant or my bank store or process my Fingerprints or Face IDs?
. Minaksu 2FA, partner merchant and your bank don’t store or process your Fingerprint or Face ID. It is handled securely by the mobile device.
What if I don't want to use Minkasu 2FA and instead pay using my regular username, password, grid number, security questions and OTP?
If you don’t want to use Minkasu 2FA, just click the ’X’ button on the top right corner of the Setup Code screen and you will be taken to the regular Net Banking flow.
How do I prevent anybody else from enabling my Fingerprint/ Face ID for making payments in the future?
To enable the Fingerprint/ Face ID for making payments in the partner merchant app one should know your Partner merchant PayPIN. Do not share your Partner merchant PayPIN with anyone.
What if my device is stolen? Can the thief use my fingerprint/ Face ID to make the payment?
No. The thief cannot use your Fingerprint/ Face ID to make the payment. To enable the Fingerprint/ Face ID for making payments in the Partner merchant app one should know your Partner merchant PayPIN. Do not share your Partner merchant PayPIN with anyone.
What if my card details or Net Banking login credentials and device are compromised?
If you see any transactions without your authorisation, we recommend you to report it to your bank immediately. Once you report it to your bank, all your Minkasu 2FA transactions will be blocked in all apps until further notice.
Whom do I report a fraudulent transaction to? 
If you see any transactions without your authorisation, we recommend you to report it to your bank immediately. Once you report it to your bank, all your Minkasu 2FA transactions will be blocked in all apps until further notice.
In how many days will I get the amount reversed in case of a fraudulent transaction?
Please contact your bank for their timelines.
If my device is stolen and my PayPIN is compromised and a fraudulent transaction happens with a particular app, how do I ensure it doesn't get misused with other apps as well?
We strongly recommend that you use different PayPIN for different apps. If you see any fraudulent transaction, we recommend that you report it to your bank immediately. Once you report it to your bank, all Minkasu 2FA transactions from all apps will be stopped until further notice.
Does Minkasu make use of my information stored with Aadhaar database in any way?
No. Minkasu doesn’t use any of your information stored in Aadhaar database
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