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A biometric payment card is a dual-interface (contact-based and contactless) payment card with an integrated fingerprint sensor enabling the use of your fingerprint as the primary form of authentication for payments.
If my card is lost or stolen, can someone de-enroll my fingerprint and enroll their own fingerprint on my card after I have enrolled and activated it?
No. After enrollment, your biometric payment card is programmed to lock completely. It will not be possible to de-enroll your fingerprint or enroll any other fingerprint on your card after you have enrolled your finger on the card.
If the enrollment kit and biometric card are intercepted by another person, can they enroll their fingerprint on the card and start using it?
The enrollment kit simply provides the necessary power to enable the card to turn on and register the fingerprint from the user, as part of the enrollment process. There is nothing connecting the kit specifically to the cardholder. While any user who intercepts the enrollment kit and the biometric card can enroll his/ her fingerprint, s/he cannot use the card as the card will be activated in the first transaction with the PIN code. The PIN code will be sent to the rightful cardholder in a separate channel and/or time.
From a wear and tear perspective, how resilient and robust is a biometric payment card?
A biometric payment card follows the same standards for resilience and robustness as a standard dual-interface (non-biometric) payment card, meaning that it has a product lifetime of 3 to 5 years.
Do consumers need to use their fingerprint to authenticate payment for all transaction values?
The card issuer defines the available cardholder verification methods. It is recommended to set fingerprint verification as the primary cardholder verification method with offline or online PIN as fallback. We recommend issuers to configure the cards to always require fingerprint verification.
