{"id":15429,"date":"2026-03-04T17:07:55","date_gmt":"2026-03-04T16:07:55","guid":{"rendered":"https:\/\/paynopain.com\/?post_type=glosario&#038;p=15429"},"modified":"2026-03-04T17:08:34","modified_gmt":"2026-03-04T16:08:34","slug":"biometrics","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/en\/glossary\/biometrics\/","title":{"rendered":"Biometrics"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"What_is_biometrics\"><\/span><b>What is biometrics?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Biometrics refers to <\/span><a href=\"https:\/\/paynopain.com\/en\/glossary\/authentication\/\"><b>authentication<\/b><\/a><span style=\"font-weight: 400;\"> methods based on unique personal traits, whether physical or behavioral, such as fingerprints, facial features, iris, or voice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the context of payments, biometrics allows replacing traditional systems like PINs, passwords, or signatures, adding an <\/span><b>additional layer of security<\/b><span style=\"font-weight: 400;\"> and authenticity that is practically impossible to forge.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_biometric_authentication_in_payments\"><\/span><strong>Types of biometric authentication in payments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fingerprint recognition:<\/b><span style=\"font-weight: 400;\"> The most common form of biometric authentication, especially used in smartphones, tablets, and other electronic devices. A sensor captures fingerprint information, converts it into a biometric hash that is securely stored, and can later be used to authorize a payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Facial recognition:<\/b><span style=\"font-weight: 400;\"> Its use has grown in recent years, largely thanks to the integration with wallets and mobile payment services like <\/span><a href=\"https:\/\/paynopain.com\/en\/payment-methods\/apple-pay\/\"><span style=\"font-weight: 400;\">Apple Pay<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/paynopain.com\/en\/payment-methods\/google-pay\/\"><span style=\"font-weight: 400;\">Google Pay<\/span><\/a><span style=\"font-weight: 400;\">. It works similarly to fingerprint recognition: the device camera analyzes unique facial features, stores the data, and can be used later.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Voice recognition:<\/b><span style=\"font-weight: 400;\"> Less common due to technical complexities. Vocal features such as tone, speed, timbre, and pronunciation patterns are analyzed to create a user voice profile. Mainly used for virtual assistants and digital banks to authorize payments or phone transactions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Iris recognition:<\/b><span style=\"font-weight: 400;\"> Rarely used due to the complexity of data capture. It analyzes the unique iris pattern with high-resolution infrared cameras. Like other options, biometric data is encrypted to prevent insecure storage or transmission of the real iris image.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Evolution_of_biometric_authentication\"><\/span><b>Evolution of biometric authentication<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before payments, biometrics was used in police, immigration, and security fields. These systems verified identity through physical traits or behavioral patterns. Over time, sensors became smaller, faster, and more accurate, allowing integration into consumer devices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the rise of smartphones, tech companies promoted mass adoption of biometric payments. Apple pioneered <\/span><b>Touch ID<\/b><span style=\"font-weight: 400;\"> in 2013, followed by <\/span><b>Apple Pay<\/b><span style=\"font-weight: 400;\"> in 2014, allowing payments via fingerprint. Samsung introduced <\/span><b>Samsung Pay<\/b><span style=\"font-weight: 400;\"> with fingerprint and later iris and facial recognition. Google developed <\/span><b>Android Pay<\/b><span style=\"font-weight: 400;\">, now <\/span><b>Google Pay<\/b><span style=\"font-weight: 400;\">, integrating biometric authentication for mobile payments. These initiatives marked the start of widespread biometric payments on personal devices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As ecommerce and digital banking grew, the need for strong authentication increased. The payments industry saw biometrics as a method capable of complying with security standards such as <\/span><a href=\"https:\/\/paynopain.com\/en\/glossary\/psd2\/\"><b>PSD2<\/b><\/a><b> \/ <\/b><a href=\"https:\/\/paynopain.com\/en\/glossary\/sca-o-autenticacion-reforzada\/\"><b>SCA<\/b><\/a><span style=\"font-weight: 400;\">, reducing fraud risks and improving user experience.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Use_cases_for_biometric_payments\"><\/span><b>Use cases for biometric payments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Biometric payments are applied in a wide variety of fields:<\/span><\/p>\n<h3><b>Retail<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Allows customers to quickly authorize payments using fingerprint or facial recognition, both in physical stores and <\/span><a href=\"https:\/\/paynopain.com\/en\/glossary\/ecommerce\/\"><span style=\"font-weight: 400;\">ecommerce<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>Banks and financial services<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Used to access accounts and validate <\/span><a href=\"https:\/\/paynopain.com\/en\/glossary\/transaction\/\"><span style=\"font-weight: 400;\">transactions<\/span><\/a><span style=\"font-weight: 400;\">. For example, banking apps frequently allow login via fingerprint or facial recognition. It is also widely used for instant payment systems like Bizum.<\/span><\/p>\n<h3><b>Digital wallets<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Users with <\/span><a href=\"https:\/\/paynopain.com\/en\/glossary\/wallet-digital\/\"><span style=\"font-weight: 400;\">wallets<\/span><\/a><span style=\"font-weight: 400;\"> can authorize payments, access digital tickets, or boarding passes via biometric data, simplifying purchase and access processes.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_biometric_payments\"><\/span><b>Benefits of biometric payments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Adopting biometric payments brings a range of benefits for both merchants and users:<\/span><\/p>\n<h3><b>Benefits for users:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enhanced security:<\/b><span style=\"font-weight: 400;\"> Biometric traits (fingerprint, face, iris, voice) are unique, making fraud much harder.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Convenience and speed:<\/b><span style=\"font-weight: 400;\"> Payments can be authorized without remembering PINs, passwords, or carrying physical cards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Contactless authentication:<\/b><span style=\"font-weight: 400;\"> Facial or iris recognition minimizes physical contact, useful for mobile payments or POS terminals.<\/span><\/li>\n<\/ul>\n<h3><b>Benefits for merchants:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reduced <\/b><a href=\"https:\/\/paynopain.com\/en\/glossary\/online-fraud\/\"><b>fraud<\/b><\/a><b> and <\/b><a href=\"https:\/\/paynopain.com\/en\/glossary\/chargeback\/\"><b>chargebacks<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Reliable customer identity verification decreases unauthorized transactions and chargeback rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Optimized payment flow:<\/b><span style=\"font-weight: 400;\"> Faster processing improves customer experience at the point of sale.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compliance with security standards:<\/b> Properly integrated biometrics supports compliance with PCI DSS and EMV 3DS standards.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is biometrics? Biometrics refers to authentication methods based on unique personal traits, whether physical or behavioral, such as fingerprints, facial features, iris, or voice. In the context of payments, biometrics allows replacing traditional systems like PINs, passwords, or signatures, adding an additional layer of security and authenticity that is practically impossible to forge. Types [&hellip;]<\/p>\n","protected":false},"featured_media":15669,"template":"","meta":{"_acf_changed":false},"class_list":["post-15429","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Biometrics in payments: uses and benefits - PaynoPain<\/title>\n<meta name=\"description\" content=\"Biometrics authenticates payments with fingerprint, face or voice. 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