Published: December 2, 2025 | Last updated: December 2, 2025

Modern payment technologies such as biometrics, Click2Pay, tokenization, or AI agents are already changing the way customers shop online. Integrating these solutions into e-commerce brings real benefits – from enhanced security and increased conversion rates to better shopping experiences.

For online store owners, this is a signal that the future isn't just coming – it's already happening. Technologies like biometric payments, authentication via wearables, or smart AI tools for fraud detection are no longer science fiction, but strategic tools that can significantly boost sales and customer loyalty.

In this guide, we show how each of these technologies works and how to implement them in your e-commerce business in practice – all with a focus on security, convenience, and the future of your business.

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Table of Contents

  • Biometrics – the foundation of future payments
  • Click2Pay – one click, full security
  • Tokenization – the invisible shield protecting payment data
  • Wearable payments – a new level of convenience
  • Payment security and AI support
  • Modern payments – frequently asked questions (FAQ)
  • Future payments – summary

Key Takeaways:

  • Biometrics is already widely used for payment authentication – it’s a safe and fast way to confirm identity.
  • Click2Pay removes the need to enter your card number for every transaction, increasing convenience and conversion.
  • Tokenization replaces card data with a unique token, protecting both store and customer from fraud.
  • AI agents and smart payment systems are an upcoming revolution – pilot programs are actively underway.

Biometrics – the foundation of future payments

Biometrics has become a standard for authentication, not only for unlocking phones but also during online purchases. Face recognition, fingerprint scanning, or iris scans – these features enter the game as the guarantee of convenience and security.

  • Biometrics = Strong Customer Authentication (SCA) in compliance with PSD2 requirements.
  • Compatible with digital wallets: Google Pay, Apple Pay.
  • In pilot phase: “glance” and “smile” payments (e.g., Mastercard + PayEye project in Poland).

Biometric authentication significantly shortens the checkout process – customers don’t need to recall passwords or enter SMS codes. The result? Higher conversion and fewer abandoned carts.

Click2Pay – one click, full security

Click2Pay is an international online payment standard developed by EMVCo. It stores the card in the secure cloud of a payment organization (e.g., Mastercard), so the next payment takes just... one click.

  • No need to enter card details.
  • Multi-platform – works on desktop and mobile devices.
  • Secure data storage in tokenized form.

Click2Pay leads to statistically higher conversion rates and fewer transaction errors. Moreover, the customer feels safe – they are familiar with the interface and don’t have to worry about phishing.

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Tokenization – the invisible shield protecting payment data

Tokenization is a security technology that replaces sensitive customer payment data (e.g., card number) with a unique token that has no value outside a specific transaction or context.

  • The store does not store card data – reducing the risk of data breaches.
  • Fraud using tokens is virtually impossible.
  • Compliance with industry standards (including PCI DSS).

This mechanism is essential both in Click2Pay tools and in recurring or subscription payments. Thanks to tokenization, the customer can feel safe – even in the event of an incident, no data is exposed.

Wearable payments – a new level of convenience

Wearables, i.e., payments using wearable devices (smartwatches, bands, rings), are revolutionizing the shopping experience. Especially in an omnichannel model (offline + online), they allow fast and intuitive transaction completion.

  • Contactless payments – ideal in the post-COVID era.
  • Payment rings – a new solution gaining popularity in Poland.
  • Full compatibility with contactless technology (NFC) and tokenization.

Payment security and AI support

Artificial intelligence (AI) is no longer just a marketing tool – it plays a key role in ensuring payment security. Smart systems monitor anomalies in real time, detecting suspicious transactions before they are completed.

  • Implementation of AI agents for online payments already announced in the U.S., with their role expected to grow year by year.
  • AI agent as a shopping assistant – assigning payments and product selection.
  • AI analyzes risk and reduces fraud rates.
  • PSD3 regulations and upcoming payment organization standards will include AI.

Modern payments – frequently asked questions (FAQ)

1. What is Click2Pay and is it safe? Click2Pay is a technology that stores a card in the cloud of a payment organization, e.g., Mastercard. It allows fast transactions with just one click and is fully secure – no need to enter card data for each transaction.

2. Does biometrics meet Strong Customer Authentication (SCA) requirements? Yes. Biometrics (e.g., fingerprint, Face ID) is recognized as a strong authentication factor under PSD2 and the upcoming PSD3 regulation.

3. What is tokenization and why is it important? Tokenization replaces customer data with a unique token. As a result, the card data is neither exposed nor stored by the merchant, greatly enhancing security.

4. What are the benefits of using AI agents in payments? An AI agent can act as a personal shopping assistant, automating the product selection and payment process. In the future, it will become an integral part of e-commerce.

5. Is it worth offering wearable payments in a physical store? Yes. They enable faster shopping and appeal to customers interested in modern solutions, which positively influences the store’s image.

Future payments – summary

The technological transformation of payments in e-commerce is no longer an option but a market requirement. Biometrics, Click2Pay, tokenization, and AI agents are solutions that increase security, improve customer convenience, and can raise conversions by several percent.

Entrepreneurs from the SME sector who want to stay competitive in the digital commerce world should start implementing these tools today – not just as a USP (Unique Selling Proposition), but as a customer-expected standard.

Choosing the right payment partner is crucial – go for services that not only process payments but also continuously develop technology and support your growth.

Convenient payment methods for your customers are an opportunity for your business to grow.

Sources

  • Buy with your eyes, pay with your glance! Together with Empik and PayEye, Mastercard expands its Biometric Checkout Program to Poland
  • CLICK TO PAY – A faster and safer way to pay online – Mastercard
  • Click to Pay – what it is and how it works – Przelewy24
  • PSD2 Directive – EUR-Lex
  • P24 Podcast: FUTURE PAYMENTS – Will you pay with... YOUR FACE in 3 years?! | Daria Auguścik, Mastercard