How can I use fingerprint and facial recognition to pay online?

You can now verify online payments using fingerprint or facial recognition on your phone. This process uses what’s known as ‘biometrics’.

What are biometrics?

Biometrics are physical characteristics such as your face or fingerprint that can be used as a form of identification to allow you to access things securely. Many phones and apps now use biometrics instead of PINs or passwords as they cannot be stolen or forgotten, meaning they are much safer.

How do biometrics work when purchasing something online?

When you’re shopping online, you might be asked to use biometrics to complete the transaction. When purchasing something online, you’ll follow these steps:

  • Wait for the push notification asking you to verify the transaction
  • Log in to the app to see a description of the transaction (merchant name, amount, time and date)
  • If you recognise the transaction press ‘authorise payment’
  • Use face recognition or your fingerprint to verify the transaction

How do I register for biometrics?

You don’t need to register for biometrics, but you do need to enable it using the app.

  • Go to the ‘more’ section
  • Press ‘Biometric settings’
  • Tap the toggle under ‘Mastercard payments’ to enable biometrics
  • A pop up will appear asking you to turn push notifications on. You need to opt-in for push notifications to use biometrics.

What should I do if I get a request for verification I don’t recognise?

If you don’t recognise the transaction which you’re being asked to verify, press ‘I don’t recognise this’. We’ll cancel this transaction and block your card to prevent any more unauthorised transactions. Once your card is blocked, give us a call to unblock it.

Why can I only use one device to authorise transactions?

You can only authorise transactions with Mastercard biometrics on one device to prevent someone else from authorising transactions on your behalf. If you enable biometrics on a new device, you’ll no longer be able to authorise transactions on the previous one.

How do I know which retailers use biometrics?

All participating retailers will have the Mastercard Identity Check logo on their website.

What if I can’t use biometrics?

If you can’t use biometrics or would prefer not to, you can verify purchases with one-time passcodes instead. We’ll send your one-time passcodes to the email address or phone number on your account, so please ensure all your details are up to date.