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The biggest pilot program for eye payments in the world

Supposedly its impossible to pay with your eyes, yet we have proven that it is indeed possible, whats more, payments with a single glance are not only faster, but also very secure. It is also said that it is impossible to talk about new technology, finances and start-ups with a global reach in a simple way, yet we will attempt to do so in this condensed report, just for you. It is a summary of our short time on the market with this unique biometric payment system, but also a broader look at the industry and a market which is developing at a dizzying pace. It is also a great opportunity to boast about an innovative idea which we look to implement with the help of the National center for Research and Development. Finally, it’s an attempt to show that innovative ideas and bold plans can be created and implemented in Lower Silesia, Wrocław, Poland, and then taken to the global market. Curious? Enjoy the read.

Daniel Jarząb, Radosław Ruda, Krystian Kulczycki
Board members of PayEye
Biometric success in Wrocław

We are fintech companmy from Wrocław, Poland, first in the world to commercially implement a biometric payment confirmation system using irises. It is here that we created an entire proprietary ecosystem which consists of eyePOS payment devices, an innovative electronic wallet for users and algorithms processing the iris into a biometric pattern (PayEye code) used to identify the user during payment. In the first instance, the service was made available in Wrocław, but our solution is now known both nationwide and internationally. It is no coincidence that eye payments were introduced as a pilot in the place we come from – we wanted to give the residents of our city the opportunity to test the service freely in the first place. Thanks to this, journalists from all over the country are now coming to Wrocław to test the solution and pay with their eye. The eyes of the whole world turn to the Capital of Lower Silesia, and the whole market is closely watching our actions, which is confirmed by all the awards that we have received.

1
1
In the world

We were the first in the world to develop the eyePOS 1.0 payment device

150
150
Points

we made it possible to pay with your eyes

2 000+
2 000+
Users

we have recruited 2000+ users

90 000
90 000
Hours

90,000 hours were spent by our developers on testings – all in order to refine our service to perfection

10 000
10 000
Transactions

Our customers have carried out close to, transactions

Payment terminal eyePOS 1.0

We first developed the eyePOS 1.0 payment terminal, which supports biometric payments using the iris, and an electronic wallet where the user could track their account balance as well as their purchase history in a web browser. The first part of the pilot using the eyePOS 1.0 terminal included over 150 points in and around Wrocław, where users, after creating an account and a biometric template, could make payments with their eyes.

PayEye 1.0 mobile application

In the initial stage of the PayEye 1.0 pilot, registration for the PayEye service could only be performed from the www.payeye.com website – by creating an account, providing your data and making a verification transfer. After registration, it was necessary to fund the account with a traditional transfer and create an iris pattern at one of the PayEye Partners.

On April 7, 2021, we significantly simplified the registration process by introducing the PayEye 1.0 application, which made it even faster and more convenient for users to join the circle of paying with the eye. All you had to do was download the free PayEye 1.0 app to your phone, enter your details and take a photo of your ID card. Before the first payment, it was also necessary to top up the account and create a template, but it took much less time, as the application offered the possibility of topping up the account with BLIK and fast transfer. From the phone, users could check their account balance, transaction details and history, and places where it was possible to pay by eye. The PayEye 1.0 application was made available in the App Store, Google Play and Huawei AppGallery shops.

Coverage and communication

We understand that the world of new technology, cyber security and innovative solutions can be complicated, so we try to simplify it. We organise webinars, conferences and discussion panels. We participated in dozens of congresses and meetings related to what we do. We also rely on open, proactive communication with the public, and our social media channels, as well as traditional and online media coverage, which have circled almost the entire globe. We do this because we want to make it easy to access information and enjoy encounters with new technology.

25,29 mln
people, who are now aware of our innovative technology
8,87 mln
would have been the cost of our marketing, but we didn't have to spend that
5,86 mln
views of our content on social media
1483
publications about PayEye
*Data as at the day of publishing the report
Prizes and awards
October 2020
FinTech & InsurTech Manager of the Year Award for CEO Krystian Kulczycki
October 2020
Nomination for "Lower Silesian Griffin - Economic Award" in the category Award for an innovative business idea/development
December 2020
Singapore Fintech Festival, Impact Finance 2020 award
December 2020
30 Creative People of Wrocław Award
April 2021
Polish award for Intelligent Development
June 2021
Winner of the category Fintech Future, Map of Polish Fintech
June 2021
Cashless Congress 4 Startups, finalist in the eDucat 2021 competition
June 2021
Finalist of the Start-up Challenge 2021, during 6. European Tech and Start-up Days
Biometrics - a trend that is unstoppable

Biometrics, as a branch of Information Sciences, is a closely related field to Biology, encompassing a set of methods that allow for the identification or confirmation of a person’s identity using their biological characteristics – by they anatomical features or behavioral traits.

Using expertise from many areas of mathematics and computer science, such as information theories, statistics and image processing, experts are able to create algorithms that can identify an individual amongst a large population with high probability and without error. Nowadays, fast and accurate identity confirmation is crucial for the smooth delivery of many services.

At the same time, we face numerous risks, such as the risk of identity and document theft, having to remember many complicated passwords, PINs or wearing ID badges. Biometrics, whereby our own biological characteristics can be both identifier and password, is becoming the natural answer to these challenges. There is no future for digital services without biometrics.

We opted for the eye, because it is a natural and unambiguous identifier for every human being
Unique
The iris biometrics in the eye are unique on a global scale. every person has different iris patterns, which vary even between the left and right eye, also in monozygotic twins.
Available
For people from different cultures (covering of the face), regions (without the need to remove protective clothing - e.g. gloves), and also works with contact lenses and glasses.
Hygienic
It is non-invasive, reading the iris works from a distance of about 30-40 cm, without having to even touch the reader.
Safe
Requires the cooperation of the user. It is impossible to acquire an iris image easily without user co-operation, so accidental payments are extremely marginalised.
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