The disclosure herein describes enabling authentication of a user's identity based on a user identification (ID) token. An enrollment request is received by an identity platform from a computing device of the user. The enrollment request includes face data and payment account data associated with a payment account of the user. A face identification template of the user is generated based on the face data. Based on verifying the user's identity using data in the enrollment request, an ID token is generated including the face identification template and the payment account data. The ID token is then provided to the computing device of the user, wherein the computing device is enabled to verify the user's identity based on comparison of the captured image data of the face of the user to the face identification template of the ID token during transactions associated with the computing device.