{"id":18887,"date":"2026-09-25T08:41:20","date_gmt":"2026-09-25T15:41:20","guid":{"rendered":"https:\/\/jasonsblog.ddns.net\/?p=18887"},"modified":"2026-09-25T08:41:20","modified_gmt":"2026-09-25T15:41:20","slug":"revolut-wants-your-face-at-the-coffee-counter","status":"publish","type":"post","link":"https:\/\/jasonsblog.ddns.net\/index.php\/2026\/09\/25\/revolut-wants-your-face-at-the-coffee-counter\/","title":{"rendered":"Revolut Wants Your Face At The Coffee Counter"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The nerve to come out with this after leaking customer data, but the interesting point worth highlighting is the mechanism employed. They&#8217;re selling the sales terminals to vendors at half price, and there will be no transaction fees (for now) to incentivize businesses to promote adoption. And look at what some businesses are paying per month in transaction processing fees. Seems like a great opportunity for cash discounts, or use Square and take Bitcoin Lightning. And always worth stating the obvious, as businesses don&#8217;t eat these banking, transaction fees adding them to price. So credit card fees are factored in, and even if you get cashback with your card, they&#8217;re just returning your money to you with a net effect of you still paying more for purchases due to the high fees. It&#8217;s just greedy bankers extracting wealth&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/reclaimthenet.org\/revolut-wants-your-face-at-the-coffee-counter\" target=\"_blank\" rel=\"noopener\">https:\/\/reclaimthenet.org\/revolut-wants-your-face-at-the-coffee-counter<\/a><\/p>\n\n\n<div class=\"wp-block-ub-divider ub_divider ub-divider-orientation-horizontal\" id=\"ub_divider_eafa2493-0ea6-45d1-a092-64e334cd7725\"><div class=\"ub_divider_wrapper\" style=\"position: relative; margin-bottom: 2px; width: 100%; height: 2px; \" data-divider-alignment=\"center\"><div class=\"ub_divider_line\" style=\"border-top: 2px solid #ccc; margin-top: 2px; \"><\/div><\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">The biometric bargain arrives just after Revolut\u2019s latest customer data scare.<\/h5>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/media.reclaimthenet.org\/images\/2026\/09\/d47J8VrmdcZy.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">By Ken Macon<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As the digital rights and privacy community is well aware, biometric data, especially when used as part of digital ID and online age verification schemes, is a Pandora\u2019s box. And now, it\u2019s <a href=\"https:\/\/reclaimthenet.org\/the-biometric-payment-revolution-you-never-agreed-to\/\"><u>biometrics for your coffee<\/u><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UK customers of digital bank Revolut who have an account and live in or plan to visit London, can \u201ccelebrate\u201d the launch of the bank\u2019s <a href=\"https:\/\/www.revolut.com\/news\/revolut_shakes_up_the_high_street_with_first_facial_recognition_payments_and_0_processing_fees\/\"><u>facial recognition-based payments<\/u><\/a> by having a speciality coffee at one of <a href=\"https:\/\/www.independent.co.uk\/tech\/revolut-soho-bloomsbury-kiss-london-b3055402.html\"><u>three Kiss the Hippo cafes<\/u><\/a> in the city for 1 pound.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The offer is valid for three days, from 24 to 26 September, and the coffee is not the only thing customers will be giving Revolut \u2013 they will also be providing their face biometrics. The offer is available to those who opt in through the Revolut app, and at the till, their face will be matched against \u201cthe selfie ID checks that the customer completed when first signing up to Revolut.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is how the bank describes the process in its press release, adding that the pilot \u201cwill expand the firm\u2019s payment ecosystem into facial recognition checkout, unlocking a new revenue stream for the company.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile, the cafes will be equipped with Revolut\u2019s new point-of-sale system, and merchants are incentivized to join the scheme as they will pay 0% processing on every Pay with Smile transaction. On top of that, the Revolut Register till is sold to them at half price, 349.50 pounds plus VAT, until 31 December 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Revolut says that independent venues spend an average of 875 pounds a month on processing and infrastructure, while pubs and bars spend over 950 pounds, and terminal outages cost them 2,495 pounds a year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBank grade security\u201d is how Revolut advertises its new product, and among the features listed is this: \u201cAuthenticates transactions with end-to-end encryption managed inside the Revolut app and personal data never stored by merchants.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is true, but it may also be misleading, as it omits the fact that the merchant doesn\u2019t need to store anything because it\u2019s the bank that does. And that\u2019s the entity that customers should logically trust the least, given the way they handle sensitive information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Word of the bank\u2019s <a href=\"https:\/\/reclaimthenet.org\/revolut-leak-shows-the-cost-of-constant-id-collection\"><u>last data leak<\/u><\/a> reached its customers on 11 September, when Revolut disclosed that it had handed customer data to an \u201cunauthorized third party\u201d that sent an email from a real government domain, which the bank said it believed was genuine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The data included names, dates of birth, addresses, account numbers, transaction histories, copies of government-issued IDs, and onboarding verification selfies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Revolut said that the derived biometric face data was not leaked \u2013 but the selfies were.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, Revolut customers who take part in the new scheme will be providing the bank with yet more photographs of their face, which will be stored as a \u201csecure copy of the original transaction photo\u201d that is uploaded to Revolut\u2019s \u201cinternal cloud systems\u201d and kept as \u201ca fallback safety measure to protect you and investigate potential fraud or payment disputes.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is according to the <a href=\"https:\/\/www.revolut.com\/legal\/pws-privacy-notice\/\"><u>Pay with Smile Privacy Notice<\/u><\/a>, which explains what data is collected, how it is used, and how long it is kept. The notice reveals that while the \u201ctemporary facial embeddings\u201d are deleted after they are used once to authenticate a transaction, the photograph itself is kept \u201cin line with Revolut\u2019s applicable data retention policies.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those are spelled out in the <a href=\"https:\/\/www.revolut.com\/legal\/privacy\/\"><u>Customer Privacy Notice<\/u><\/a>, which says that data is kept \u201cfor as long as necessary to achieve the original purpose we collected it for\u201d and \u201cwhere we have a legitimate interest in doing so (for example, to manage our business risks or to defend legal claims).\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For UK customers the same notice sets a general ceiling of seven years after the business relationship ends, and longer where there is a legal reason to hold on to it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The legal basis for collecting and processing the data is also explained, and it\u2019s interesting to note that while \u201cVerifying your identity at checkout\u201d and \u201cSecurity and liveness checks\u201d run on \u201cExplicit consent,\u201d \u201cFraud prevention, dispute handling and service security\u201d and \u201cDiagnostic and troubleshooting: understanding how you use PWS to allow us to carry out research and analytics\u201d run on \u201cLegitimate interests.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In other words, customers can opt in to the face match, but not out of the bank storing their photographs or using their data for research and analytics.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a customer wants to opt out of the scheme, they can do so by withdrawing consent, which \u201cpermanently deactivates PWS and triggers the immediate deletion of your biometric template from our relevant database.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, Revolut makes no promise that the photographs that have already been uploaded will be deleted. Customers can also \u201cfreeze\u201d their Pay with Smile account, which will temporarily stop face-match payments but keep all their data stored in the system.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The nerve to come out with this after leaking customer data, but the interesting point worth highlighting is the mechanism employed. They&#8217;re selling the sales terminals to vendors at half price, and there will be no transaction fees (for now) to incentivize businesses to promote adoption. And look at what some businesses are paying per [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,7],"tags":[],"class_list":["post-18887","post","type-post","status-publish","format-standard","hentry","category-tech","category-world"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"featured_image_src":null,"author_info":{"display_name":"Jason","author_link":"https:\/\/jasonsblog.ddns.net\/index.php\/author\/jturning\/"},"_links":{"self":[{"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/posts\/18887","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/comments?post=18887"}],"version-history":[{"count":1,"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/posts\/18887\/revisions"}],"predecessor-version":[{"id":18888,"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/posts\/18887\/revisions\/18888"}],"wp:attachment":[{"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/media?parent=18887"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/categories?post=18887"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jasonsblog.ddns.net\/index.php\/wp-json\/wp\/v2\/tags?post=18887"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}