Mastercard Biometric Checkout Program Debuts
May 17, 2022
Mastercard unleashes new era of biometric payments to enhance the
more fumbling for your phone or hunting for your wallet when you have
your hands full – the next generation of in-person payments will only
need a quick smile or wave of your hand. The trusted technology that
uses your face or fingerprint to unlock your phone can now be used to
help consumers speed through the checkout. With Mastercard's new
Biometric Checkout Program, all you will need is yourself.
As part of a global launch announced earlier today, the program
represents a first-of-its-kind technology framework to help establish
standards for new ways to pay at stores of all sizes, from major
retailers to mom-and-pop shops. The program outlines a set of standards
that banks, merchants and technology providers adhere to, helping to
ensure the security and privacy of personal data when people pay
Globally, 74% of consumers have a positive attitude towards biometric
technology, and the market for contactless biometrics technology is
projected to reach $18.6 billion by 2026.
“The way we pay needs to keep pace with the way we live, work and do
business, offering choice to consumers with the highest levels of
security,” said Ajay Bhalla, president, Cyber & Intelligence at
Mastercard. “Our goal with this new program is to make shopping a great
experience for consumers and merchants alike, providing the best of both
security and convenience.”
Transforming the checkout experience
Participants in Mastercard’s Biometric Checkout Program offer consumers
the option to conveniently enroll into their biometric checkout
services, in store or at home, through a merchant or identity provider
app. Once enrolled, there is no need to slow down the checkout queue
searching through their pockets or bag. Consumers can simply check the
bill and smile into a camera or wave their hand over a reader to pay.
The new technology ensures a fast and secure checkout experience, whilst
also empowering consumers to choose how they want to pay.
For merchants, the benefits are also considerable, from faster
transaction times and shorter lines to greater hygiene and heightened
security. The payments system can be integrated with loyalty programs
and personalized recommendations to help consumers find products they
might be interested in based on previous purchases.
Mastercard is working with partners including NEC, Payface, Aurus,
PaybyFace, PopID and Fujitsu Limited to ensure the launch and scale of
these types of new checkout capability around the globe, adhering to an
overarching framework of minimum standards, specifications and
guidelines that address security, biometric performance level, and data
protection in the context of in-store biometric payments.
The first pilot will be launched this week in Brazil with Payface and St
Marche. The pilot will see Payface’s technology implemented across five
St Marche supermarkets in Săo Paulo. Consumers visiting these
supermarkets are able to enroll their face and payment information
through the Payface app, and once registered, they can simply smile to
pay at the checkout without a card or mobile device. Future pilots are
being planned for roll-out in the Middle East and Asia.
"We've been developing Payface since 2018, with a mission to help
transform the way people pay - improving the experience, without
compromising on security,” said Eládio Isoppo, chief executive officer,
Payface. “This partnership with Mastercard is a welcome step forward for
us and will enable our technology to be used by more merchants and
consumers, making shopping easier and bringing the joy of a smile to
Building on a legacy of rich innovation
Checkout is Mastercard’s next step to support the evolution of payments,
alongside a suite of recent innovations, such as Shop Anywhere, Enhanced
Contactless (ECOS) and Cloud Point of Sale, which have been rolled out
to provide consumers and merchants with frictionless, flexible and
secure in-store experiences.
Mastercard has long pioneered biometrics - instore and online - as a
secure way to verify identity, replacing the password with the person.
The effort, which builds on the EMV 3-D Secure standard, enables people
to shop and pay through biometric-powered payment cards, devices and
wearables. Biometrics have also featured in confirming online shoppers’
identities through “selfie pay” and online, leveraging key standards
such as FIDO (Fast Identity Online).
As this technology is increasingly adopted across the world, Mastercard
is helping ensure all stakeholders maintain the highest levels of
security and privacy to protect consumers. The Biometric Checkout
Program is governed by Mastercard’s principles for data responsibility,
reinforcing that consumers have the right to control how their personal
data is shared and benefit from its use.