Biometric cards
Benefits
Secure payment cards that are simple to use
Our biometric payment cards enable seamless and secure payment experiences for any purchase amount and can be used to make both contactless and contact payments. Equipped with biometric authentication technology, these cards are manufactured using recycled PVC (rPVC).
Very few technical changes are needed for card issuers, so adoption of biometric payment cards can be quick, simple and affordable. No PIN or password is required and the cards are accepted at all Visa and Mastercard terminals.
Revolutionising contactless payment cards with biometric technology
We can help you set yourself apart from the competition by offering innovative payment solutions to enhance your new or existing offering.
Consumers can enjoy the benefits of seamless and secure transactions, issuers can gain a competitive edge through innovation, and merchants can streamline their operations while reducing costs associated with chargebacks, it's a win-win for everyone!
Various ways to enroll
The meet the evolving needs of banks and their customers, we offer a suite of enrollment options together with IDEX Biometrics. Enrollment options include via a banking app, activation pad or enrollment sleeve.
Banking app
The IDEX Pay mobile-SDK is available for iOS and Android and allows banks to integrate the biometric enrollment within their mobile banking application.
The graphical user inferface and user experience can be full customised by the bank when integrating the SDK into their mobile banking application.
Activation pad
The activation pad enrollment option is a paper-based and fully recyclable solution that is compatible with Android smartphones.
Upon using the activation pad, the entire biometric card is visible to the cardholder, including the biometric sensor area. In addition, it ensures that the card remains in a stable position during fingerprint enrollment.
Enrollment sleeve
Two different types of enrollment sleeve are available depending on whether the cardholder enrolls at home or in branch.
The IDEX Pay Sleeve is intended to be shipped with a biometric payment card to the cardholder. It is a self-powered device that can be used up to 20 times and guides the user through the registration process.
The IDEX Pay In-Branch Sleeve is intended to be used for supervised enrollment and features support enrollment code protection. It has a USB type A cable attached to it, requiring an external power supply.
How does it work?
Initial setup
There are a number of ways that cardholders can register their fingerprint. Registration can be completed via an app, sleeve. or activation pad. During this process, the digital fingerprint image is securely stored on the card to protect cardholder's data and remove the risk of fraud attacks.
Transactions
During the transaction the cardholder simply places the registered finger on the sensor and taps the card on the payment terminal. If required, PINs can still be issued for ATM usage and initial card activation.
Authentication
The fingerprint placed on the sensor is compared with the stored template held on the chip and, if matching, card use is securely authenticated.
What are the benefits of biometric cards?
Consumer benefits
- Seamless and fast payments
- Better customer experience
- Enhanced security
- Enhanced data privacy
Issuer benefits
- Superior and secure payment experience
- Fewer false declines and improved approval rates
- Approve transactions with high value and crossborder
- Strengthen issuer market position through differentiation with innovation
Merchant benefits
- Eliminate PIN entry and signature for faster and secure checkout experience
- Less friction due to false declines
- Better approval rates due to fewer PIN related issues
- No charge back liability due to cardholder verification