People are just getting used to chip credit cards, but a new technology is already on the horizon.

Earlier this month, Visa (V) announced that it’s testing on-card biometrics for contactless payments at two different banks —Mountain America Credit Union in West Jordan, Utah, and The Bank of Cyprus.

Biometric technology uses physical characteristics to authenticate a person’s identity. In the case of Visa’s pilot, cardholders will use fingerprint recognition instead of PINs or signatures for authentication.

Visa’s biometric card is programmed with a securely stored template of your fingerprint. When the card is used, customers will be asked to hold their fingerprint against a small sensor on the card while inserting the chip into the cardreader or waving it for contactless payment. That fingerprint is then compared to the one stored in the card to verify the user’s identity. Green and red lights are integrated into the card to indicate a good or bad match.

“The world is quickly moving toward a future that will be free of passwords, as consumers realize how biometric technologies can make their lives easier,” said Jack Forestell, head of global merchant solutions for Visa.

Adding biometric features to credit cards is seen as a way to simplify card usage and also make it more secure. As the art of card skimming has evolved, magnetic strips are no longer able to thwart criminals looking to steal your money. By the end of 2017, most banks had issued new chip cards equipped with EMV technology. These chip cards are more secure and harder to hack, but still require a PIN which can be accessed by hackers.

Using biometrics could feasibly help with all of these issues.

Biometric data is unique to each individual, making it harder for criminals to use a stolen card. Using a fingerprint is more secure than entering a PIN or signature, and these cards use EMV technology, so they’ll be immediately compatible with existing payment terminals.

While Visa’s biometric credit cards are just being piloted, the company has already unveiled the use of biometrics with other services. Cardholders enrolled in Apple Pay can make contactless payments simply by using their fingerprints. This approves the payment without swiping the card, entering a PIN, or providing a signature.

The future of payments

Visa is just the latest issuer to test out biometrics and credit cards. In April 2017, Mastercard tested its own biometric credit card in Johannesburg, South Africa. The trial took place at a bank and supermarket, and allowed cardholders to use fingerprints for authentication.