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Zwipe Pay

Next Generation Contactless Payments Experience

Zwipe Pay is an advanced market-ready platform providing a complete solution for any card manufacturer to deliver their own biometric payment cards and take them to market in the most effective way.

Zwipe Pay provides wide ranging capabilities that include all components of the biometric payment card. Our platform also includes many enrollment solutions covering all use cases for customer on-boarding. We also deliver end-to-end services to support card manufacturers and banks through all stages of commercialization (pilots and market launches).

Biometric Secure Element (BioSE)

Our single-silicon BioSE ensures superior biometric performance and an excellent user experience.

Fingerprint sensor

The quality fingerprint area sensor comes mounted on 35 mm tape for efficient implanting into cards with mass production equipment.

Passive inlay

With no active components in the Zwipe Access inlay, our platform is ready for a quick ramp-up and high volume manufacturing.

Value proposition for Smart Card Manufacturers
Time to market

The Zwipe Pay platform has been designed to be easily manufactured by our customers (smart card manufacturers) in high volumes without major investment. We provide a full set of products and technical services to quickly respond to our customers' requests to deploy cards globally.

Improved efficiency

Zwipe Pay enables biometric payment cards at highly competitive unit costs and for large volumes.

Uplifted customer experience

Based on a deep understanding of the issuers’ and cardholders’ needs, our solution is designed to optimize the end-to-end customer experience. We deliver wide ranging value added services to smart card manufacturers, issuers and partners to help them successfully industrialize and commercialize biometric payment cards. Our services include user experience capture, campaign support, ROI (Return on Investment) calculations and much more to help the issuers.

Read more on Zwipe Experience

Benefits for consumers

Consumers have confirmed their strong interest in using biometric payment cards in multiple pilots and investigations.

  • Much faster PIN-free check-out experience
  • Strong security for contactless payments
  • Peace of mind in case the card is lost or stolen
  • Safer, touch-less and more hygienic
  • Seamless and global acceptance at all points of sale and in ATMs
Benefits for issuers

Global Banks and fintech issuers are increasingly recognizing biometric cards as a strong value driver for their business

  • Accelerated customer acquisition 
  • Stronger differentiation in payments portfolio – “top of wallet” effect 
  • Drive additional revenue streams with attractive ROIs 
  • Improved loyalty from existing customers
  • Deliver world-class user experience and security
Global delivery capability

We have established a strong global ecosystem to enable biometric payment cards with the Zwipe Pay platform. Our partner ecosystem comprises smart card manufacturers, equipment manufacturers, payment processors, third party personalization bureaus and program managers. This ensures seamless delivery and implementation support for issuers worldwide.

Issuer ROI Calculator

Zwipe has released an ROI calculator to help the banks and issuers understand the underlying business case of biometric cards with transparency and detail. The model is based on credible industry data from sources such as UK Finance (and similar sources in other key markets).


  • Can be tailored for each client's portfolio size, product mix, behaviours and beliefs
  • Show the depth of impact. E.g., spending, retention, fraud, and dispute costs
  • Enable our clients with supporting services, such as sales and marketing tools. The ROI calculator is an additional tool to increase the dialogue with issuers and help secure further pilots and roll outs


  • Models the P&L impact in real time. Comprehensive, detailed, flexible, with immediate feedback
  • Includes all revenues, costs and savings. Includes all costs from initial set up to buying and replacing cards, as well as revenue effects from spending and savings from reduced fraud and disputes
  • To fee or not to fee

There are many data points involved in understanding a typical Issuer’s P&L. Using credible market and industry data, the ROI calculator demonstrates exactly what the benefits are and how much of a contribution a conversion to biometrics can make for credit, debit and/or commercial cards. We can answer questions, such as - what potential impact could Zwipe Pay have on customer spending? How could it help reduce the costs associated with disputes?

The future is biometric

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