The present invention discloses a payment card that uses speaker identification and verification (SIV) speech processing techniques for activation purposes and to deactivate the payment card based upon the card user input to the payment card. For example, the invention can initially identify a payment card in a deactivated state, which is an internal state of the payment card. Speech input can then be received. Speech characteristics of the speech input can be determined and compared against a voice print of an authorized card user. The payment card can be selectively activated based on comparison results. That is, when the voice print and the speech characteristics match, the payment card can be activated. Otherwise, the card will remain deactivated. An activated payment card is one that has undergone an internal state change from the deactivated state. For example, when activated a credit card number can appear in a display and a magnetic strip can contain payment information, neither of which are present in the deactivated state.