Abstract: An apparatus and method of verifying a purchase transaction using a customer image. An example method includes capturing an image of a customer during the purchase transaction, and comparing an image provided by a card holder to the image of the customer to determine whether the cardholder is the customer. The example method may further include activating a camera to capture the image of the customer, storing the image in a record of the purchase transaction, receiving a request to reverse the payment by the card holder, obtaining the image of the customer from the record, sending a denial of the request when the image of the customer contains the card holder, and sending an approval of the request when the image of the customer does not contain the card holder.