How Biometric Payments Are Making Mobile Transactions More Secure

Despite more than three-quarters of shoppers regularly using contactless payments in the UK, more than half say they remain concerned about what would happen if their card was lost or stolen.

Secure phone payment taking place using biometric security

Many security features are built into contactless payments to ensure only authorised customers can make payments using their cards.


But with more customers already moving away from contactless cards and choosing to pay using digital wallets like Apple Pay and Samsung Pay, biometric payments are becoming increasingly popular.


But what are biometric payments, and how do they work?

What are biometric payments?

Biometric payments require a customer’s physical characteristics to authorise and complete the transaction.


The most common form of biometric payment used today is fingerprint and facial recognition.


Just in the UK, more than a third of smartphone users use their fingerprint to authorise payments when using their smartphone.


Facial recognition is slightly newer, but it's becoming more popular as more modern smartphones use facial recognition to unlock a customer’s phone.

Biometric facial recognition taking place to pay by phone

Finger print on a phone

Benefits of biometric payments

Although biometric payments are still relatively new, there are several benefits to accepting them (which many businesses already do if they accept digital payments like Apple Pay, Samsung Pay or Google Pay)

Some of the main benefits include:

Improved payment security

Biometric payments are highly secure because they require a physical characteristic of the customer to authorise the payment (like a fingerprint). This makes it almost impossible for a scammer to make a payment using a stolen biometric device.

Biometric payments are more convenient

Around two-thirds of customers around the world are now using digital payments to make purchases in-store using their smartphones or other devices.

Because most biometric payments are currently processed using a smartphone, it makes them highly convenient for customers. They don’t need to carry a payment card because all their payment information is already stored on their phone.

Biometric payments are fast

Biometric payments work just the same way contactless card payments work. The customer simply holds their payment device near to the card machine with their recognised fingerprint in the right place, and the payment will be processed instantly.

Higher contactless spending limits

While the new £100 limit on contactless cards has made payments more accessible, biometric payments (if used for digital payments like Apple Pay) are even more accessible.

That’s because Apple and similar digital payment providers don’t set any contactless spending limits, although individual retailers may set their own limits when using this type of payment.

Secure payment screen on phone with card payment being held

Phone with card on screen along with biometric

Will biometric payments become more popular?

Payment technology is changing and developing all the time.


With digital payments and e-wallets already becoming more popular, especially among younger customers, biometric payments will likely increase in popularity.


As we’ve said, the good news for most merchants who are already accepting digital contactless payments is that they already have the technology to accept biometric payments.


This means there’s nothing more to do.

Get the right contactless payment technology from Handepay


If you’re looking to future-proof your payment systems and ensure you can accept any payment type your customers want, get in touch with us at Handepay.


We’ve already helped thousands of businesses get set up to take payments in person, online and over the phone.


From setting up Merchant Accounts to finding the right card machines and online payment systems, to setting up payment gateways and virtual terminals for secure digital payments, we can help you every step of the way.


And if you’re a business already accepting payments using a card machine, we could save you a substantial amount on your monthly fees by removing many of the unnecessary costs you might be facing.


Get in touch for more information about our secure, cost-effective merchant services.


Financial disclaimer:

Terminal hire contracts are provided by Merchant Rentals Limited, who is authorised and regulated in the UK by the Financial Conduct Authority (FCA) for Consumer Hire under FRN 720500. Terminal hire can be for consumer hire and non-regulated hire contracts. Please check your contract carefully for details. Regulation of all consumer hire fall under the control of the FCA.

Handepay Ltd is authorised and regulated by the FCA for Consumer Credit under FRN 673564. Handepay is a credit broker for consumer hire not a lender.

Handepay acts as an introducer of card acquiring services on behalf of EVO Payments UK, the card acquiring service provider. EVO Payments UK is the trading name of EVO Payments UK Ltd, a payment institution that is authorised and regulated by the Financial Conduct Authority (FRN number 959332).

Existing Cards Businesses- The one-month rolling terminal hire contract from Merchant Rentals is only available to businesses that are switching from their current acquirer to EVO Payments UK arranged through Handepay.

New to Cards Businesses- The 12-month terminal hire contract from Merchant Rentals is only available to businesses that are new to card payments and wish to receive acquiring services from EVO Payments UK, arranged through Handepay.

The Next Day Banking Settlement service provided by EVO Payments UK incurs an additional fee of £4 a month on top of your acquiring service charges and fees. Provided your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day.

Editorial disclaimer:

The information we provide does not constitute financial advice and might not apply to your business. Always carry out research into your business’ needs when choosing a new merchant services provider.

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