(Livonia, MI – November 10, 2026) Javelin Strategy & Research has released its 2026 Emerging Biometric Authentication at the Point of Sale Scorecard, evaluating nine providers across six categories against more than 100 criteria. The scorecard recognizes Wink, Verifone, and J.P. Morgan Payments as Best in Class, each in a different solution area.
“Biometric authentication is advancing beyond the checkout. The opportunity is to redefine the customer experience, though that also increases implementation complexity,” said Christopher Miller, Lead Analyst, Emerging Payments at Javelin Strategy & Research.
The scorecard’s three solution areas reflect distinct approaches to adopting biometric authentication within broader payments and identity programs. Biometric Authentication as a Service may be especially relevant to larger merchants and financial institutions that connect authentication with onboarding, KYC, and security programs. Smaller and midsize merchants may be more likely to adopt biometrics as part of a payment solution.
What Set the Winners Apart
Biometric Authentication as a Service: Wink
Wink enables merchants and system developers to integrate biometric authentication into existing devices, payment platforms, and processors. It is designed to work with existing POS setups and support uses beyond checkout. Payment processing can be included, but authentication remains the offering’s primary focus.
Biometric Identity and Payment Platform: Verifone
Verifone integrates payment terminals, biometric authentication, and payment processing, with plans for reusable identity credentials across an enterprise and potentially the Verifone platform. Reusing biometric identities across systems could reduce repeated onboarding steps and encourage consumer adoption.
End-to-End Solutions: J.P. Morgan Payments
Chase Biometrics combines J.P. Morgan Payments’ processing, biometric authentication, and terminals into a single offering. It is well suited for existing J.P. Morgan customers or organizations seeking a single provider. Organizations using other processors or pursuing a broader identity program should assess fit; reusable biometric identity is on the roadmap.
About Javelin Strategy & Research
Javelin Strategy & Research, part of Escalent, helps its clients make informed decisions in a digital financial world. It provides strategic insights to financial institutions including banks, credit unions, brokerages and insurers, as well as payments companies, technology providers, fintechs and government agencies. Javelin’s independent insights result from a rigorous research process that assesses consumers, businesses, providers, and the transactions ecosystem. It conducts in-depth primary research studies to pinpoint dynamic risks and opportunities in digital banking, payments, and fraud & security. Learn more at javelinstrategy.com.
