Tap. PIN. Paid.
The in-store terminal made card fraud a solved problem. Online checkout inherited none of it. CPoI brings Chip & PIN online — so the payment is card-present, and the fraud is the bank’s problem, not yours.
Built on the card rails you already run · Cards, acquirer & PSP stay yours
90 seconds on why online checkout is broken — and how CPoI fixes it
Card-not-present made fraud the merchant’s bill
Chargebacks you can’t win
In ~85% of disputes you can’t prove the cardholder transacted — so you refund, lose the goods, and pay the fees.
Customers wrongly declined
Up to 65% of transactions blocked by fraud AI are genuine — and 41% of those shoppers never come back.
Cash held for weeks
Card-not-present settlement drags on while your working capital sits in limbo.
Friction that kills baskets
One-time codes and step-ups arrive late or never — and take the sale down with them.
The in-store gesture, online
Tap
At checkout the customer chooses CPoI, then taps their bank card against their phone — the same contactless chip they use in store.
PIN
They enter the PIN they already know. Chip & PIN authenticates the real cardholder, exactly as an in-store terminal does.
Paid
The payment settles as card-present. No passwords, no one-time codes, no app-switching — and the bank carries the fraud liability.
The cost of card-not-present, quantified
growth in chargebacks in 2024
of disputes a merchant cannot prove the cardholder made
the sale value lost on every successful chargeback
of transactions blocked by anti-fraud AI are false positives
lost for every $1 of false-positive fraud prevented
of shoppers never return after one wrongful decline
One change. Five problems gone.
The bank owns the fraud
CPoI is a card-present payment, so liability for fraud sits with the cardholder’s bank — not with you.
Chargebacks collapse
Chip & PIN is categorical proof the cardholder was present. “I didn’t make this purchase” disputes have nowhere to go.
No more false declines
A genuinely authenticated payment removes the guesswork that wrongly blocks up to two-thirds of flagged good customers.
Faster settlement
Card-present transactions typically settle same-day, versus card-not-present waits measured in weeks.
A checkout people trust
No biometrics to enrol, no SMS codes, no redirects. Just tap and PIN — the gesture every shopper already knows.
Built on the rails you have
CPoI rides the existing card networks. Your customers keep their cards; you keep your acquirer.
Stop paying for fraud you never committed.
Join the merchants bringing card-present security to online checkout. Early access is limited.