A New Era in Payments: No Wallet, No Phone, Just Your Face!

A brand-new era in our payment habits is beginning: No wallet, no phone! Thanks to advancing biometric technology, it is now possible to pay at the checkout using only your face. Already actively used by thousands of users and with hundreds of thousands of transactions successfully completed over the past year, this system makes shopping faster, more contactless, and more secure than ever before. In which supermarkets in Turkey can we find this futuristic technology that verifies your identity in seconds with your biometric data, and what kind of powerful infrastructure works behind it? Let’s take a look at the details together.

Face Pay is an innovative biometric technology that merges finance and retail. It allows users to make payments by simply looking at a camera without the need for physical tools, offering significant advantages for both businesses and consumers. This method converts facial features into digital data and matches them with a payment account to perform identity verification in seconds. The process works with high accuracy by creating a three-dimensional map of the face using artificial intelligence and deep learning algorithms.

Face Pay is a pioneering technology that provides identity verification and transaction approval using unique facial mapping. Utilizing facial recognition directly in payment systems completely eliminates dependence on tools that can be forgotten, such as passwords or PINs, or physical cards that can be stolen. Since your facial data is extremely difficult to copy or imitate, it is considered the most secure identity key, while its completely contactless nature makes it the most hygienic and practical solution.

Compared to traditional methods, face recognition technology is much faster and more secure; issues like credit card theft, forgetting a wallet at home, or a mobile device running out of battery are eliminated. The uniqueness of your face minimizes the risk of fraud while reducing checkout time to just a few seconds, maximizing customer satisfaction and putting an end to long queues.

Implemented through the visionary strategic partnership of İş Bankası (one of Turkey’s largest banks), Visa, and CarrefourSA, this innovative payment system is powered by advanced technological infrastructure. The secure, fast, and seamless system is provided by the Udentify biometric platform, developed and operated by Fraud.com.

The core of the Face Pay process features the NIST-certified 1:N Face Matching Algorithm and iBeta-certified Liveness Detection technologies developed by Fraud.com.

• NIST Certification: Ensures the user is identified from among millions of records in under a second with high accuracy.
• iBeta Certification: Confirms the system can detect and block fraud attempts like photos, videos, masks, or deepfakes.

The most distinguishing feature of this architecture is that all biometric verification processes run directly on a secure back-end, independent of the user’s device. This allows the system to process tens of thousands of transactions simultaneously across Turkey with millisecond latency, ensuring a smooth experience even during peak hours.

Mobile POS Innovation at L’Etape Türkiye

The mobile POS version of our Face Pay technology was officially showcased and put into use during the L’Etape Türkiye by Tour de France Expo event. This innovation demonstrates the flexibility of the infrastructure, allowing for secure, biometric payments even in mobile and outdoor event environments.

You can see the system in action by watching the video in Instagram: https://www.instagram.com/reels/DPzIKpwjFpN/

The reliability of the system was proven through rigorous testing phases across various environments.

1. Pilot Stages: The system was first deployed in closed-circuit pilot zones and major retail locations to test performance under heavy transaction loads and perfect the user interface.
2. Live Usage: Following the successful pilot phases, the technology is now active and available to the public in selected major supermarkets.
3. Proven Performance: With hundreds of thousands of transactions already completed, the system has demonstrated high accuracy and reliability across a wide range of demographics and lighting conditions, making “paying with your face” a daily reality for Turkish consumers.

How to Use the Face Pay System

Using the system is simple and integrated into the İş Bankası “İşCep” mobile application.

1. Registration

• Defining Biometric Data: Users open the İşCep app, navigate to the “Pay with Face” menu, and scan their face. The system performs a liveness check and creates a secure digital face map.
• Matching a Card: Users select the credit or debit card they wish to link to their biometric profile.

2. The Checkout Experience

At participating CarrefourSA locations:

• Select “Pay with Face” at the checkout.
• Look at the POS camera for 1-2 seconds.
• The system verifies the identity and the transaction is completed instantly—no phone or wallet required.

Face Pay is just one example of how revolutionary biometric technologies can be in the financial sector.

• Customer Acquisition (KYC): Using Fraud.com’s Cloud KYC solutions, banks can acquire new customers remotely in minutes just by scanning an ID and face, eliminating the need to visit a branch.
• New Products: Biometrics allow for more secure ATM withdrawals and branch transactions without the need for physical signatures or cards.
• User Experience: It removes the friction of remembering passwords or carrying physical devices, making banking a natural and secure part of daily life.

Implementing a critical technology like Face Pay requires a world-class technology partner. Fraud.com provides a reliable, fast, and legally compliant solution through its Udentify platform.

• Superior Proprietary Technology: Developed with 100% in-house R&D, matching the highest global biometric standards for speed and accuracy.
• Seamless Integration: Flexible APIs allow for rapid deployment within existing retail and banking ecosystems.
• Proven Success in Turkey: The partnership with İş Bankası, Visa, and CarrefourSA serves as a premier reference for Fraud.com’s ability to handle large-scale, high-security financial projects.
• Security and Compliance: Fraud.com ensures all solutions are fully compliant with GDPR and international data protection standards, ensuring that both institutional and customer data remain secure at all times.