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The safest way to take payments online

Card Present over Internet (CPoI)
Less fraud. Less risk.
More customers. More revenue.

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Simple, secure card-present payments, online

Online payments with CPoI are card present payments - the same as in-store payments:
 

  • At checkout, the customer selects CPoI as the payment method.  
     

  • Then, the customer simply taps their card against their mobile device and securely enters their PIN to complete payment. Just like they do in-store! 

 
When you take payments using CPoI you are not liable for the fraud as it is a card-present payment. The liability sits with the cardholder’s bank.  

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Online retailers lost half a trillion dollars last year from fraud and false positives

CPoI solves these problems, and more

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The rate of chargebacks grew by 45% in 2024.

The average cost to resolve a chargeback is $74.

CPoI significantly reduces or eliminates chargebacks

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Trusted globally

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False positives cost online retailers $443 billion per year 

CPoI eliminates 100% of false positives

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Reduce the cost of chargebacks

The cost of chargebacks to online merchants globally is over $40 billion each year. This is when a customer disputes a transaction on their credit card and the merchant has to refund the amount. 

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Grow your revenue by eliminating false positives

False positives are a growing issue for merchants, and yet many don’t even know it’s a problem. It’s when a legitimate online transaction is incorrectly deemed as fraudulent and blocked by anti-fraud solutions.

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Broaden customer segments

Remove the barriers to online shopping by enabling customers to pay the same way as they do in-store. Chip & PIN is understood by all generations and universally accepted as convenient and secure. Attract new customers who may be wary of shopping online.

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Online payments, done right:

✅ No biometrics

✅ No SMS or emails

✅ No app switching

✅ No lost sales

✅ No frustration

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Just simple, secure, scalable online payments.

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Get faster revenue return

Card-present transactions typically settle on the same day – much faster than card-not-present transactions, which can take weeks.  

With CPoI enabling card-present transactions over the internet, settlement will happen much faster, providing online merchants with a faster revenue return.  

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A simple solution to a highly complex problem

Using CPoI is easy - it can be integrated into your customer app if you have one, or into your web checkout page, simply and quickly.  

As a new technology, access to CPoI is increasing all the time and is via banks and payment processors.

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