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The payments ecosystem is constantly trying to manage the inherent trade-off between security and convenience. Often, making a system more secure means making it less convenient to use and vice versa. For example, regulatory authorities and issuers have imposed contactless transaction limits, capping the amount you can spend without cardholder verification.
Requiring cardholders to enter their PIN after holding their card to the terminal introduces friction to the payment process and, after the Corona pandemic, cardholders are reluctant to touch the PIN pad for hygiene reasons. Biometric payment cards based on Zwipe technology eliminate these issues without compromising security. Zwipe's technology does not require a centralized database: the user's biometric information is encrypted and safely stored on the card and nowhere else, protecting the user's right to privacy.
From a wear and tear perspective, how resilient and robust is a biometric payment card?
A biometric payment card follows the same standards for resilience and robustness as a standard dual-interface (non-biometric) payment card, meaning that it has a product lifetime of 3 to 5 years.
Do consumers need to use their fingerprint to authenticate payment for all transaction values?
The card issuer defines the available cardholder verification methods. It is recommended to set fingerprint verification as the primary cardholder verification method with offline or online PIN as fallback. We recommend issuers to configure the cards to always require fingerprint verification.
Zwipe's offering is a unique mix of products and services enabling our customers to integrate biometrics easily and seamlessly in payment and access control products with a wide range of enrolment solutions. Our focus on user experience and live-environment piloting have given us an edge in tailoring our product offering to our growing customer network.
A biometric payment card is a dual-interface (contact-based and contactless) payment card with an integrated fingerprint sensor enabling the use of your fingerprint as the primary form of authentication for payments.
Does Zwipe Access use a battery like other Biometric Access Card Solutions?
