Biometric payment for the financial services sector

IrisGuard’s biometric payment solutions connect merchant networks - banks, post offices, remittance agents and mobile wallets - with aid agencies and disaster funds.

Our biometric payment technology offers a number of key benefits:

  • Enables multiple distribution points, rapidly utilising the existing infrastructure without the need to replace systems altogether
  • Hardware and APIs allow faster integration to help control costs
  • Our ‘plug and play’ systems eliminate integration and compatibility issues that can arise in the initial setup and whenever a driver is updated


Trusted ID & POS Solutions

  • Iris authenticated aid payments value USD$ 1.2bn per year = 9.3% of global aid
  • Banking institutions across -7 countries Jordan, Yemen, Lebanon, Iraq, Sudan, Egypt and East Timor
  • Financial switch integration with 5 systems incl. Temenos T24, Infosys Finacle, ICS BANKS and SmartVista
  • Project Management Services
  • Integration Services
  • Implementation & Delivery Services
  • Maintenance and Support Services
  • Training Services

Banking the unbanked

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The World Bank Group's credit infrastructure services focuses on secured transactions as one of its priorities, which is where our biometric payment technology provides a solution.

We work with the Ministry of Displacement and Migration (MoDM) Iraq to assist them in providing aid for Internally Displaced Persons – (IDP). We also work with the Ministry of Social Affairs (MOSA) Lebanon to assist local social welfare, as well as the National Aid Fund (NAF) Jordan for the assistance of the poor.

Our biometric payment solutions streamline customer operations by replacing numerous identification documents with a single iris verification. Our trusted EyeCloud® technology provides migrant workers, IDPs and refugees with a secure digital identity which can be utilised for the receipt of aid, salary assurances and for remittances.

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Migrant Salary Assurance

Many migrant workers - approximately 19 million in GCC countries alone - have no bank account or credit card, which can make the payment of their salary and remitting money to their families in their home country difficult and expensive.

IrisGuard's biometric payment technology streamlines the process to provide migrant workers with a secure digital identity. It provides a two-in-one solution for migrant workers:

  • secure receipt of salary
  • ability to remit monies to family at home


As more and more people live and work abroad, the amount of money sent home has risen significantly.  It is estimated that approximately USD$ 400 billion is remitted around the world by expat workers to their home countries every year.

Our biometric payment technology enables secure compliance to Know Your Customer (KYC) and Anti-Money Laundering (AML) international regulations, ensuring a 100% accurate and secure transaction process.

Biometric payment also enables remittances to the unbanked. The beneficiary can be fully authenticated and funds withdrawn using an iris-enabled ATM cash machine.

Partnership with the UNHCR & Cairo Amman Bank

Biometric Payment Solutions: Iris ATM Cash Out

  • 40,000 households
  • 289 iris scanners utilised within the banking environment (ATM & teller)
  • 120 ATM locations in Jordan
  • Provisioned to serve the Palestinian community across 30 locations supported by 121 iris scanners

Our biometric payment solutions have been extensively used by the UNHCR, WFP, UN Women and dozens of NGOs and retail banks since 2013 across the Middle East. This targeted delivery platform provides financial aid to millions of refugees and unbanked populations, processing more than US$ 1.3 billion per annum.

Refugees are able to walk up to an IrisGuard-enabled EyeCash® ATM, present their eye and effortlessly withdraw their allocated cash subsidies instantaneously. The EyeCash® novel solution was selected, based on the aid agency’s need to provide a dignified, fast, simple and rigorous method of cash delivery to financially include refugees.

Partnership with the UNHCR & Zain Cash

Biometric Payment: Mobile Wallet Cash Out

  • 37,500 beneficiaries per month
  • 60 Zain Cash agents’ fixed locations
  • Supported by 73 EyePay phone iris devices
  • USD$ 78 million processed and growing

Our partnership with the UNHCR and Zain Cash has delivered a program utilising our end-to-end EyePay®  platform, which was required to increase the registration capacity for beneficiaries. Our biometric payment solutions make it more convenient, remove duplication effort and speed up the process.

Biometric payment technology increases beneficiaries’ privacy and enables a secure cash out process. It significantly improves delivery of assistance which was desperately needed, as it previously took 15 days. Importantly, biometric payment restores dignity.

Partnership with Housing Bank, Jordan

Biometric Payment: Citizen Financial Services

  • Identity authentication using only the iris
  • ATM and teller cash withdrawal, money transfers and international remittances
  • 825 devices deployed across 230 locations

Find out more about biometric payment solutions for the financial services sector

Our biometric payment technology is suitable for new database registration including utilising of existing iris images, and for provision of services and payments that require an accurate proof-of-life to ensure accuracy and accountability. .