The pay-by-face biometric payment solution allows shoppers to complete transactions more seamlessly, removing the need for customers to pull out their phones or credit cards. Biometric loyalty program check-in and payment provides a swift ordering and checkout experience for merchants and customers alike. PopID research has shown the platform decreases ordering and check out times by up to 90 seconds per transaction and can increase ticket size by 4 percent.

“This is a giant step forward in helping our clients reimagine the entire retail experience for their customers and bringing best-in-class biometrics payments solutions to the market,” said Jean-Marc Thienpont, Managing Director, Omnichannel & Biometric Solutions at J.P. Morgan Payments. “We offer something that is hard to match - the stability, scale and trust of a world-class bank combined with the technology and agility of a fintech.”

Clients will also benefit from the expanded collaboration between J.P. Morgan Payments and PopID. Whataburger, which already accepts biometric payments through PopID’s solution, plans to extend biometric payments with payments processing powered by J.P. Morgan Payments.

“We are excited to continue to embrace biometric payments to help us revolutionize the way our customers purchase their favorite food reliably and securely,” said Jerry Phillips, VP of Technology, Whataburger. “At Whataburger, we believe in innovation, and this marks a significant step forward in enhancing our overall dining experience. This new offering allows us to provide a faster, safer and seamless checkout process for our valued guests, backed by the stability of an established financial institution.”

Whataburger has already seen a positive impact with faster checkout times and increased loyalty engagement at the counter and on self-ordering kiosks. After registering for biometric loyalty and payment in the Whataburger mobile app, guests no longer need to pull out their mobile phones and scan the QR code to check into the loyalty program or further authenticate payment, which is done through a biometric scan.   

How it works:

The J.P. Morgan Payments biometric checkout solution is powered by PopID, which uses enhanced facial identification technology to create a secure, reliable and convenient method for customer identification and payment authentication. During enrollment, the customer takes a photo of their face that is converted into a template, encrypted and securely stored in the PopID cloud. When a purchase is initiated, the template of the transaction is matched against the template stored in the cloud and informs the result of the match to the merchant. As a merchant-agnostic solution, customers can utilize their facial biometrics at any participating pilot merchant once they enroll. The solution is consent-driven and customers can opt-in and out of the program at any time at their discretion.

“We are thrilled to continue working with J.P. Morgan Payments to deliver enhanced biometric check in and payment solutions to merchants,” said John Miller, CEO at PopID. “We’ve seen a remarkable increase in speed and a rise in customer loyalty when biometric technology is available. Allowing people the freedom to authenticate loyalty and pay how they want, while leveling up security, is critical to today’s consumer.”