Fiserv’s commerce and point-of-sale platform Clover has teamed up with Wink to embed biometric payments into its system.

Wink’s face and palm recognition, along with its identity and intelligence tools, will be integrated directly into Clover.

Fiserv positioned this as a move towards identity-based payments aimed at tightening security and reshaping the checkout process.

It said the combined service is intended to let merchants offer faster, more personalised checkouts while using AI-driven biometrics to help secure each transaction.

Bringing identity, payment and loyalty into a single flow is expected to cut checkout times, limit fraud risk and support repeat visits without adding complexity for staff.

Biometric profiles will be managed via a secure token vault, which Clover said helps protect transactions by keeping this data separate from payment credentials.

The rollout will start with quick-service restaurants, sports venues and retailers, and extend further through 2026.

Consumers will be able to use contactless palm, facial and voice recognition for authentication, designed to deliver “frictionless” interactions that are private, compliant and aligned with payment, data protection and regulatory requirements.

The companies say this removes the need for physical cards or devices and can speed up payments.

Wink founder and CEO Deepak Jain said: “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.

“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.”

Clover said the collaboration enables biometric checkout, loyalty sign-up and age-restricted purchases without IDs, manual checks or staff involvement, aiming to reduce queues, labour demands and checkout abandonment.

The integration allows Clover and its merchants to connect in-store, mobile and online journeys through a single biometric identity that ties together payments, loyalty and instant age verification.

Wink can be enabled across the full Clover device range, including Station Duo, Mini, Flex and Clover Kiosk, without new hardware and with minimal integration work.

By using Wink’s AI-based human presence assurance technology, Clover said merchants can work to curb fraud while offering faster, lower-friction and more tailored checkout experiences.