Toss launched face-scan payments in September 2025 and now has close to 5 million users in South Korea. Will privacy-wary consumers elsewhere follow suit?
In South Korea, a growing number of shoppers are walking up to convenience-store counters, glancing at a small camera, and walking out with their purchase. They don't need to tap their phone, reach for a card or open an app. Toss, the Seoul-based fintech super-app used by nearly two-thirds of the country's 51 million people, launched its FacePay service nationwide in September 2025. As reported by the Financial Times, 4.8 million users have signed up since, close to 10% of the population, and face scanners now sit on counters in roughly 330,000 retail outlets, mostly cafés, restaurants and convenience stores.
The technology itself isn't new. Facial-recognition payments have existed for years; Shinhan Card piloted one in Korea back in 2020, and Amazon and Mastercard have run their own experiments. What's different about FacePay is how quickly consumers have taken to it. Toss credits its one-second authentication time, liveness detection that filters out photos and videos, and a 24-hour fraud guarantee that reimburses victims of unauthorized transactions. New users also get KRW 3,000 off their first payment and 3% cashback on all subsequent transactions. Modest incentives, but ones that pair a novel form of checkout with a tangible perk.
TREND BITE
The conditions in South Korea make this easier than it would be almost anywhere else. Cash made up less than 15% of payment value by 2021 and has kept shrinking, and Toss's super-app already reaches more than half the population, which means the trust threshold is comparatively low and the sign-up flow is short. Whether that model will land in other countries is another matter.
Jin Kwak, a cybersecurity professor at Ajou University, told the Financial Times that adoption is likely to move more slowly in the US and Europe, where consumers are more guarded about handing over biometric data. "Korean consumers tend to value convenience, while Western consumers can be more sensitive about privacy and personal information," he said. That caution isn't unfounded. People are used to unlocking their phones with their faces, but a payment-grade biometric is a different proposition: the template lives on a central server, not on the user's device, and unlike a leaked credit card number, a leaked face can't be reissued.


