Get paid the day you sell, not weeks later

Fraud and chargebacks get all the attention. But there’s a quieter cost to selling card-not-present that shows up on every merchant’s balance sheet: time. Specifically, the time between making a sale and actually having the money.

For a growing business, that gap is not an accounting footnote. It’s working capital you can’t deploy — stock you can’t reorder, wages you’re fronting, ad spend you’re delaying — all because the cash from sales you’ve already made is sitting in transit.

Card-present settles on a different clock

In-store, card-present transactions typically settle same day. The customer taps, the payment clears, the money is on its way to you almost immediately.

Card-not-present runs on a slower, warier clock. Higher fraud exposure and dispute risk mean funds are held longer — settlement measured in weeks, not hours. You carry the risk, so you wait for the money.

The card was always capable of settling fast. Card-not-present is what put your cash in a holding pattern.

CPoI moves your online sales onto the card-present clock. Because the payment is authenticated with Chip & PIN — the customer taps their card to their phone and enters their PIN — it settles as a card-present transaction. The working capital that used to sit in card-not-present limbo lands in your account faster, and it becomes something you can actually plan around.

Faster cash, without a conversion trade-off

Merchants are rightly suspicious of anything that speeds up money by adding steps at checkout. Extra authentication usually means friction, and friction means abandoned baskets. That trade-off is exactly what’s wrong with the current toolkit — one-time passcodes and step-up prompts that arrive late, fail silently, and take the sale down with them.

CPoI avoids it because it isn’t a new hoop. It’s a gesture your customers perform every day:

• No new hardware. The shopper’s phone is the contactless reader — there’s nothing for you to buy or install.
• No passwords or codes. No SMS one-time passcodes, no email links, no app to download, no redirect away from your checkout.
• A step people already trust. Tap and PIN is the most familiar payment action there is. Familiarity is what protects conversion.

So the settlement speeds up and the checkout gets simpler — the opposite of the usual bargain.

Same rails, better economics

None of this asks you to rebuild your stack. CPoI runs on the existing card networks and settles through the acquirer you already use. Your customers keep their cards; you keep your PSP. What changes is how the payment is authenticated — and that one change moves you onto same-day, card-present settlement.

Cash flow is strategy for a growing merchant. Getting paid on the day you sell, instead of weeks later, isn’t a nice-to-have — it’s the difference between funding your next move now or waiting on money you’ve already earned.