UK: Mastercard introduces selfies or fingerprint payment authentication

As of 2019, Mastercard users will be able to verify payments made online, over the phone, or on their mobile using fingerprint scan or facial recognition technology.

Mastercard has issued that all banks implement these new biometric authentications on Mastercard debit/credit cards by April 2019.

"The new tools are expected to help make the payments process quicker and smoother for consumers and merchants by helping reduce the challenges associated with remembering PINs and passwords."

The new authentication methods have been introduced as part of the EU’s second Payment Services Directive that requires payment providers to offer “Strong customer identification”.

Strong customer authentication” requires payments to be authenticated using at least two independent elements, with the elements needing to consist of something only the customer knows (such as a PIN or password), something only the customer possesses (such as a card), or something unique to the customer (such as their fingerprint). The combination of card and biometrics will, therefore, meet these requirements.

Consumers will still be able to identify their payment using PIN or passwords after the launch of the biometric options if they so choose.

The new tools are expected to help make the payments process quicker and smoother for consumers and merchants by helping reduce the challenges associated with remembering PINs and passwords.

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