Biometrics Applied in Payments: Considerations for Development & Implementation

Publication Date: December 2018

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Biometrics Applied in Payments

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Biometrics technology is a tool that can facilitate the identification, verification, authentication and validation of users for payments and e-commerce transactions.


Biometrics is any unique biological or other characteristics that can be measured, standardized, studied physically or digitally that facilitates the recognition of people, scenery, objects, gestures, Text and behavior. For decades, governments have gathered biometric information from their citizens and more recently private companies and financial institutions have also been drawn to save this information for the recognition of individuals and the authentication of payments. There are three types of biometrics – biological, morphological and behavioral – which can be passive, active, or combined, depending on the security or experience requirements set forth by the users.


The most common types of biometrics are: fingerprint, facial, behavioral, retina, iris, voice, and hand geometry. Some examples of biometric characteristics are dynamic, such as typing on a keyboard or cellphone, walking, handwritten signatures, lips formation, knuckle folds, the skin pores, and body scent, among others.


This white paper covers:

  • Requirements, recommendation and challenges for biometric applications
  • Process for capturing and authenticating biometrics
  • Use cases of biometric applications and best practices
  • Risks, security and integrity of using biometrics
  • Types of biometrics used in payments


The overall goal of the white paper is to provide an impartial resource of information, providing industry best practices, recommendations and relevant standards.

This document was developed by the Biometrics Applied in Payments Council and the content is sole proprietary of the Digital Innovation Alliance and Secure Technology Alliance.

The Goals and Objectives of the Council are:

  • Write technical documents and white papers on the use of biometrics applied in identification, payments and ecommerce;
  • Be an impartial resource of information, providing industry best practices, playbooks, recommendations and relevant standards;
  • Advocate for the implementation and incorporation of related biometric technologies for identification, payments and ecommerce;
  • Establish training, educational, and certification programs related with the applied use of biometrics in identification, payments and ecommerce;
  • Develop industry events that incorporates best practices, use cases, experts and new interesting biometric technologies.


To join the Biometrics Applied in Payments Council contact:


About Digital Innovation Alliance

Digital Innovation Alliance is a chapter organization of the Secure Technology Alliance, working to stimulate the use, understanding, interoperability, convergence, adoption, innovation and widespread application of smart cards, embedded chip, and related technologies for Digital Transformation in Latin America and Caribbean. The Alliance achieves its goals through specific projects, such as: Educational programs, a Digital Center of Excellence, market research, advocacy, white papers, industry relations and open forums, keeping its member organizations connected to industry leaders and innovative thought. For more information please visit


About the Secure Technology Alliance

The Secure Technology Alliance is a not-for-profit, multi-industry association working to stimulate the understanding, adoption and widespread application of secure solutions, including smart cards, embedded chip technology, and related hardware and software. The Alliance invests heavily in education on the appropriate uses of secure technologies for authentication, commerce, and the Internet of Things to protect privacy and data. The Secure Technology Alliance engages its members to share their knowledge, experience, and thought leadership through training, research, publications, industry outreach and open forums in the U.S., Latin America and the Caribbean. For more information please visit