Your Customer. Your Brand. Your Revenue. All in One Stack.

The All-in-One Cloud Platform for Identity, Commerce, and Intelligence

The Three Core Pillars of the Wink Platform

Commerce

Smarter fraud detection and payment decisions
  • Hosted checkout & SDKs
  • Payment gateway
  • Paze integration
  • Network operations center
  • White-label payments

Intelligence

Smarter fraud detection and payment decisions
  • AI risk scoring
  • Behavioral biometrics
  • Chargeback protection
  • Dynamic routing & failover
  • Age-based access control

Identity

Verify users securely and frictionlessly
  • Wink ID: Biometric login (face, voice, palm)
  • Real-time age/ID verification
  • Loyalty & rewards integration
  • Flexible matching flows

Wink combines identity, payments, and risk into a single, modular cloud platform—powered by Human Identity

Choose what you need, or opt in for the full platform with merchant services included.

No vendor sprawl. No extra contracts. Just one secure, scalable solution to power your business.

Why Merchants Love Wink

Truly All‑in‑One
Payment processing, merchant services, biometrics, loyalty, and analytics from a single provider.
Faster Time‑to‑Market
APIs, plug‑and‑play SDKs, and certified POS bundles mean you can launch in weeks, not quarters.
Radically Lower Fraud & Cost
Biometric authentication + network tokens cut chargebacks to near‑zero and reduce processing fees up to 17 %.
Secure & Future‑Proof
Device‑agnostic, AI anomaly detection, and a PCI/SOC 2 cloud keep you ahead of evolving threats.
Modular Control
Use WinkPay end‑to‑end or embed individual services (fraud AI, age‑verification, orchestration) via API.

Wink ID: The Heart of Identity

Wink ID is your customer’s unique, secure, biometric profile—connecting identity to payments, loyalty, and more.

Biometric login (face, voice, palm)
Age and ID verification
Loyalty rewards
Passwordless, frictionless experiences

Wink Cloud: The Engine Behind It All

Wink Cloud powers every transaction—securely and in real time.

AI fraud detection, risk scoring, and liveness checks
Tokenization, PCI compliance, and data protection
Smart payment routing, fallback, and optimization
Certified integrations with 200+ gateways
Merchant services: Acquiring, settlement, onboarding, loyalty (available when you use the full platform)

How You Can Use Wink

Complete Commerce Infrastructure, Built In

One platform to onboard merchants, process payments, and manage compliance—end to end.

When you opt in to Wink’s full platform, you unlock everything from biometric onboarding to omnichannel checkout—no integrations required.

Instant Merchant Onboarding

Biometric KYC/KYB with automated risk scoring enables most merchants to start transacting in minutes—not days.

Omnichannel Payment Acceptance

Accept cards, Paze (150M+ tokenized cards), Apple Pay, Google Pay, ACH, FedNow/RTP, Pay-by-Bank, and 200+ alt methods through a single PhoenixGate connection.

Secure Settlement, Analytics & Reporting

Next-day (or same-day*) funding with real-time dashboards, Level II/III data, and configurable routing to reduce interchange fees.

Loyalty & Rewards on Autopilot

Tie points, stored value, and promotional offers directly to a customer’s biometric profile—redeemable in a single scan online or in-store.

Biometric Age & ID Verification

Real-time, regulation-ready verification for alcohol, cannabis, gaming, and more—no need for plastic IDs.

Fraud-Free Guarantee

AI risk scoring + biometric MFA shift liability away from you. Wink covers qualified chargebacks.*

Orchestration & Tokenization

Load balancing across multiple acquirers, network tokenization, and secure card vaulting—built in.

Certified Gateway Infrastructure

PCI Level 1–compliant architecture and certified connections across major processors ensure full compliance without the heavy lift.

Ready to see Wink in action?

Let’s talk about how wink.cloud can help you streamline identity, payments, and risk—whether you need the full platform or just a few modules.

Schedule a Demo
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