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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?
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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.

Does the enrolled finger need to be used when using the card?
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Yes, because the fingerprint on each finger is different.

The world is embracing mobile payments. So, why should we consider biometric card-based payments?
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The reality is that the majority of point-of-sale payments are still made using payment cards, often out of habit and because it is perceived to be convenient. As the saying goes, "old habits are hard to break".

Global payment card volumes are projected to grow for the foreseeable future and biometric payment cards may actually drive and extend this trend. Meanwhile, many leading suppliers of mobile wallets have already introduced payment cards, most notably Klarna, Stripe, Uber, Paytm, Apple, etc.

We believe that issuers will want to offer consumers different payment alternatives for different purposes to provide a better customer experience. Our technology provides a great experience to the end user at the point of sale because it is quick, seamless, reliable and works everywhere without a battery.

What is a biometric payment card?
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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.

Safety & Security
From a wear and tear perspective, how resilient and robust is a biometric payment card?
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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. 

If the enrollment kit and biometric card are intercepted by another person, can they enroll their fingerprint on the card and start using it?
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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. 

For “contact payments”, will consumers use their fingerprint or will they use their PIN code as in standard dual-interface payment cards?
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The card issuer may set biometric cardholder verification as the primary cardholder verification method for contact-based payments (as would be the case for contactless payments). In this case, offline or online PIN may be used as fallback. 

Do consumers need to use their fingerprint to authenticate payment for all transaction values?
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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.

Can fingerprint enrollment be completed using a mobile phone?
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Yes, Zwipe is developing a mobile phone app for enrollment. The app uses the phone’s in-built NFC interface to contactlessly power up and communicate with the card.

Can enrollment be completed in branch?
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Yes, Zwipe offers tablet-based in-branch enrollment solutions. This is especially attractive for serving customers with a personal touch from the banks and also for financial inclusion programs. 

Zwipe’s technology 
What role does Zwipe play regarding fulfilment of biometric payment cards?
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Zwipe has developed designs and specifications for biometric payment card enrollment kits. Cardholders may receive their biometric cards and enrollment kit in the mail, much like they are used to with their existing payment cards, so that they can complete fingerprint registration conveniently at home.

Zwipe's portfolio for enrollment includes enrollment sleeves, envelopes, and value-added packaging. Zwipe also offers in-branch and mobile phone-based enrollment. 

What is Zwipe’s relationship with card networks like VISA, Mastercard, China Unionpay & others?
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We have strong relationships with card networks and many other partners across the value chain. We greatly value our partners' expertise and market position in the payments industry and see them as key to the advancement of our payment solution and the biometric payment market. 

What is Zwipe’s position in the value chain?
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Zwipe is positioned as a system integrator and an enabler of contactless biometric authentication without the use of batteries. We buy components from various suppliers to build, offer and sell our modular Zwipe Pay platform to smart card manufacturers who laminate the cards and embed the biometric contact plate module and sensor in the card. Then the cards are personalized and sold on to banks as part of a total fulfillment delivery with the requested solution for enrollment.

What is Zwipe’s USP?
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Zwipe is a pioneer in the field of biometric payments, access control and ID, focusing on cards and wearables. Our customers choose Zwipe because of a combination of technology and performance leadership and an end-to-end, one-stop shop offering. We are dedicated to adding value to our customers thanks to our full focus on biometric authentication for payment and access control and ID. As a result of this, the company has built a strong network of customers and partners across the payment and access control & ID ecosystems. 

Our flagship payment platform features a single silicon secure element which integrates into one chip the many components that were needed on previous generation biometric payment cards. This radically reduces technology and manufacturing costs, while also improving performance and reliability. 

What are the key advantages of Zwipe’s offering?
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Zwipe's offering is a unique mix of products and services enabling our customers to integrate biometrics easily and seamlessly in payment and access control products with a wide range of enrolment solutions. Our focus on user experience and live-environment piloting have given us an edge in tailoring our product offering to our growing customer network. 

What is Zwipe’s core technology and product?
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Our core technology is focused along three central areas: energy harvesting and power management systems, biometric authentication algorithms, and development of large-scale production methods. 

For which product forms and markets does Zwipe provide solutions?
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Zwipe's biometric platform can be embedded in a wide range of form factors. Our current focus is on card and wearable products within payments, access control and ID. 

What are the key problems that Zwipe addresses?
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The payments ecosystem is constantly trying to manage the inherent trade-off between security and convenience. Often, making a system more secure means making it less convenient to use and vice versa. For example, regulatory authorities and issuers have imposed contactless transaction limits, capping the amount you can spend without cardholder verification. 

Requiring cardholders to enter their PIN after holding their card to the terminal introduces friction to the payment process and, after the Corona pandemic, cardholders are reluctant to touch the PIN pad for hygiene reasons. Biometric payment cards based on Zwipe technology eliminate these issues without compromising security. Zwipe's technology does not require a centralized database: the user's biometric information is encrypted and safely stored on the card and nowhere else, protecting the user's right to privacy.

The future is biometric

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