Clover Introduces Identity-Based Payments to Transform Everyday Transactions

Key Terms

multimodal biometric identity technical

A multimodal biometric identity is a digital identity tied to multiple physical traits—such as fingerprints, face recognition, voice patterns or iris scans—used together to verify a person. It matters to investors because combining several traits can make authentication more reliable and harder to spoof, affecting a company’s security, user adoption and compliance costs; stronger protection can reduce fraud risk but may raise privacy, regulatory and implementation expenses.

biometric recognition technical

Biometric recognition uses unique physical or behavioral traits—such as fingerprints, facial features, voice, or typing patterns—to identify or verify a person instead of passwords or ID cards. Investors care because biometric systems can make products and services easier to use and harder to hack, potentially boosting sales and cutting fraud, but they also bring regulatory, privacy and replacement-risk issues similar to owning a powerful digital key that can’t be changed if leaked.

ai-powered biometrics technical

AI-powered biometrics combines biological measurements—like fingerprints, facial features, voice, heartbeat patterns or health signals—with artificial intelligence that learns to recognize patterns and make decisions. For investors it matters because the technology can make identity checks and health monitoring faster, cheaper and more accurate, creating growth opportunities but also raising questions about privacy, regulation and reliability that affect adoption and long-term value.

token vault technical

A token vault is a secure storage mechanism for digital tokens or cryptocurrencies that holds assets under controlled rules — often through software, smart contracts, or a custodian. Like a bank safe with time locks and multiple keys, it protects holdings from theft or accidental transfers while controlling how and when tokens can be moved. Investors care because the vault’s security and access rules affect the safety, liquidity, and trustworthiness of the assets they own.

human presence assurance technical

A set of policies and checks that confirm a qualified person is physically or actively supervising a critical operation—such as manufacturing, clinical testing, automated trading, or remote system control—rather than relying solely on machines. Investors care because human oversight can reduce regulatory risk, prevent costly errors or fraud, and preserve product quality and safety; think of it like requiring a pilot in the cockpit even when autopilot is active.

Visit Booth #5451 at NRF 2026: Retail’s Big Show to discover how Clover, powered by Wink’s advanced technology, is enabling biometric recognition for secure, frictionless payments

MILWAUKEE--(BUSINESS WIRE)-- Clover, the all-in-one commerce solution from Fiserv (NASDAQ: FISV), a leading global provider of payments and financial services technology, today announced a collaboration with Wink, the multimodal biometric identity and payments platform. This first-of-its-kind collaboration integrates Wink’s award-winning face and palm payments technology with advanced identity and intelligence layers directly into the Clover platform. The integration marks a significant transition to identity-based payments with enhanced security and customer checkout experience.

The new solution will enable Clover merchants to offer the fastest, most personalized checkout experience while helping to secure every transaction with AI-powered biometrics. Unifying identity, payment, and loyalty allows merchants to offer brand new checkout experiences that shorten checkout times, reduce fraud exposure, and increase repeat visits without adding operational complexity. By leveraging a secure token vault to manage biometric profiles, Clover further enhances transaction security and helps ensure that sensitive data is not stored alongside payment credentials. This integration will initially be available to QSRs, sports venues and retailers, with continued rollout throughout 2026.

“The future of commerce is the unification of payment and identity,” said Sanjay Saraf, SVP and Global Chief Product Officer, Merchant Solutions at Fiserv. “By embedding Wink’s leading biometric security and intelligence directly into the Clover platform, we’re making cutting-edge technology simple, secure, and accessible for Main Street SMB businesses, helping them to deliver exceptional experiences and unlock new opportunities for growth.”

Consumers will benefit from the convenience of biometric recognition—including contactless palm, face, and voice authentication—for frictionless interactions that are private, compliant, and built to meet the strict standards for payments, data protection, and regulatory frameworks. This technology eliminates the need for physical cards or devices, making transactions faster and more secure than ever before.

Additional benefits of this collaboration include:

• Immediate value for merchants and partners. Clover is enabled to deliver biometric checkout, loyalty enrollment, and age-restricted commerce that requires no IDs, no manual checks and no staff intervention, helping reduce line friction, labor dependency, and abandonment at checkout.
• Unified, Identity-Driven Commerce. Clover and its merchant partners can connect in-store, mobile, and online experiences through a single biometric identity—linking payments, loyalty, and instant age verification into one seamless, secure moment.
• Frictionless Enablement. Wink can be activated through the full Clover device family (including Station Duo, Mini, Flex, and Clover Kiosk) with no hardware changes and minimal integration lift.
• Fraud Prevention. By utilizing Wink’s advanced AI-based human presence assurance technology, Clover merchants can reduce fraudulent transactions while offering more personalized, fast and low-friction checkout experiences.

“Wink’s strategic integration with Clover will bring unparalleled security, speed, and intelligence to every transaction across a large ecosystem of merchants, app developers and partners,” said Deepak Jain, Founder and CEO of Wink. “We are excited to work closely with Fiserv to bring to market many advanced use cases of identity-driven payments that will define the future of connected commerce at scale across retail, hospitality, venues, and stadiums.”

The new identity-based payment solution will be demonstrated live at the Fiserv booth #5451 during the NRF 2026: Retail's Big Show in New York City, January 11-13, 2026. Attendees are invited to experience the secure, frictionless future of checkout firsthand.

About Fiserv

Fiserv, Inc. (NASDAQ: FISV), a Fortune 500 company, moves more than money. As a global leader in payments and financial technology, the company helps clients achieve best-in-class results through a commitment to innovation and excellence in areas including account processing and digital banking solutions; card issuer processing and network services; payments; e-commerce; merchant acquiring and processing; and Clover^®, the world’s smartest point-of-sale system and business management platform. Fiserv is a member of the S&P 500^® Index, one of TIME Magazine’s Most Influential Companies™ and one of Fortune^® World’s Most Admired Companies™. Visit fiserv.com and follow on social media for more information and the latest company news.

About Wink

Wink connects commerce with identity as the industry’s first multi-factor biometric platform, combining face, palm, voice, and device recognition to help businesses securely and instantly recognize customers across every channel. Built for privacy and security, Wink’s biometric technology enables faster checkout, reduced fraud, and more personalized experiences without reliance on passwords, cards, or devices.

In 2025, Wink was recognized by Javelin Strategy & Research as Best in Class for Biometrics-as-a-Service, reflecting its role in advancing biometric payments and authentication. In addition to the industry leading Biometric platform, Wink also operates a fully PCI Level 1 and SOC2 compliant Payment Gateway and Network business which has been adopted by industry leading ISOs and Fintechs, performing hundreds of millions of transactions every year.

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View source version on businesswire.com: https://www.businesswire.com/news/home/20260107072493/en/

Fiserv Media Relations:

Alex Ebanks

Vice President, Communications

+1 718-928-5727

Source: Fiserv, Inc.