A system, apparatus, and method for verifying that a consumer seeking to conduct a transaction with a merchant is authorized to use an associated account. An exemplary embodiment of the apparatus may include a voice response unit, a storage medium, and a voice print comparator. The voice response unit may obtain a test voice print. The storage medium may store information associated with the consumer, and a control voice print associated with the information. The voice print comparator may receive the control voice print from the storage medium, compare the test voice print to the control voice print, determine a match level signal indicating a degree of match between the test voice print and the control voice print, compare the match level signal and a predefined threshold, and determine an approval for a transaction based on the comparison of the match level signal and the predefined threshold.