As payments race toward faster, safer checkout, palm vein biometrics is emerging as the gold standard for proving “who is paying” without slowing anyone down. By using specialized cameras to map the unique palm print patterns + subdermal vein patterns inside your hand, palm ID delivers a private, contactless way to authenticate that’s extremely hard to spoof—and incredibly easy to use. Here are 5 reasons palm vein biometrics is set to transform payments around the world.
1. Greatly reduce fraudÂ
Palm vein authentication ties each transaction to a living, consenting person—not a shareable code, card, or device. Because vein patterns are internal (not visible like a fingerprint or face) and verified with liveness, they can’t be skimmed, photographed, or guessed. The result: fewer account takeovers, fewer chargebacks, and a strong deterrent to friendly fraud. Stores get cleaner transactions; customers get peace of mind.
Why palm technology benefits merchants & stores
Fewer chargebacks and fees: Fewer disputes mean fewer network penalties and per-case fees, plus lower write-offs.
Cleaner auth, higher approval rates: Strong identity reduces false declines and manual reviews that slow lanes and frustrate customers.
Lower shrink from friendly fraud: Transaction is bound to a real person with explicit consent, creating powerful, auditable evidence.
Operational time back: Less staff time on dispute paperwork and reconciliations; more time serving customers.
Why it’s safer for customers
Nothing to steal: No card numbers, passwords, or SMS codes exposed. Vein patterns are internal and verified with liveness—can’t be skimmed or photographed.
Private by design: Encrypted, cancelable templates (not raw images) with consent at the moment of pay.
Fewer account takeovers: Attackers can’t use leaked credentials or cloned cards when the payer must be physically present.
2. Plug-in or turnkey—your choice
Implementing palm ID can be quick and straightforward. Use Keyo as a drop-in identity rail with your existing POS, gateways, and acquirers—or run the full stack with Keyo hardware + software for a turnkey experience. Either way, a palm scan verifies the payer, and Keyo passes a signed authorization token into your current payment flow. No rip-and-replace required if your hardware is certified by Keyo.
Two ways to deploy
A) Turnkey (Keyo hardware + software)
Fastest path to pilot with Wave+ devices, liveness/on-device checks, and cloud orchestration.
Consistent UX across staffed lanes, kiosks, and drive-throughs.
B) Plug into what you have (software-only)
Use our SDKs/APIs to add palm ID to Keyo-certified terminals, kiosks, and mobile apps.
Keep your processors, gateways, MIDs/TIDs, and reporting exactly as they are.
What stays the same
Your processors, gateways, merchant IDs, settlement, reconciliation, and tax/reporting.
Existing POS workflows and downstream accounting.
No new cards to issue, no wallets to manage.
What improves
Instant, reliable identity at checkout (counter, kiosk, drive-through, unattended).
Lower fraud and chargebacks with person-bound, liveness-verified authentication.
Frictionless loyalty—enroll and redeem with a wave.
Operational simplicity—fewer lookups, resets, and manual reviews.
Why teams like this architecture
Identity rail, not payment rail: Keyo verifies “who,” then hands a secure token to your existing “how.”
Flexible integration: Prebuilt connectors where available, plus REST APIs and mobile/embedded SDKs.
Privacy by design: Encrypted, cancelable templates; consented, auditable events; data residency options.
3. Quick and easy (for staff and customers)
No wallet, no phone, no problem. A single wave authenticates in under a second—eliminating PIN entry, app juggling, and card swipes. Lines move faster, abandonment drops, and your team fields fewer “I forgot my…” moments. It’s accessible, hygienic, and works in bright or dim environments.
Operational wins
Faster throughput and shorter queues.
Fewer password resets and account lookups.
Consistent UX across lanes, counters, and kiosks.
4. Privacy by design
Palm ID is built for privacy and modern compliance regimes. With Keyo, biometric templates are encrypted, cancelable (revocable and replaceable), and purpose-limited to verification. Data residency controls support in-country storage and processing, and event logs provide clear audit trails. Because Keyo serves identity—not payment card storage—your PCI posture remains straightforward.
Privacy-by-design principles
Cancelable, encrypted templates (no raw images stored).
Data minimization and consent management.
Data residency options for sovereignty needs (e.g., GDPR alignment).
Auditable verification events.
5. Loyalty just got easier
Stop asking for phone numbers. With palm ID, a customer’s identity links to their loyalty profile automatically—enroll once, then earn and redeem with a wave. This makes rewards seamless, eliminates lookup friction, and enables personalized offers at the moment of truth.
Loyalty lift
One-scan enrollment and redemption.
Fewer mismatches and duplicate accounts.
Consistent identity across stores, kiosks, and drive-throughs.
Palm vein biometrics brings the best of modern payments into a single, simple motion: fraud-resistant identity, faster lanes, and privacy that’s built in—not bolted on. It ties every transaction to a living, consenting person, works across staffed and self-serve touchpoints, and drops into your existing rails so you don’t have to re-architect how you get paid. The result is tangible on day one: fewer chargebacks, higher approval rates, shorter queues, and loyalty that just happens in the flow of checkout.
To learn more visit keyo.com or contact hello@keyo.co
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