Copy-ready lines on the value of CPoI to merchants
Everything here is written to drop straight into an article, deck or post. Hit copy and go — one-liners, boilerplate, stats and merchant-value blurbs.
Short pieces
One-liner
~1 sentence
CPoI brings the security of in-store Chip & PIN to online checkout — so merchants stop paying for fraud they never committed.
Social post
Tweet / LinkedIn length
Online checkout inherited none of the security of the in-store terminal. CPoI fixes that: Tap. PIN. Paid. Card-present protection online — chargebacks and false declines, gone.
Boilerplate
Standard about paragraph
CPoI (Card Present over Internet) lets online shoppers pay the way they do in store: tap the card, enter the PIN. Because the payment is authenticated as card-present, fraud liability shifts to the cardholder’s bank, chargebacks fall away and wrongful declines disappear. CPoI runs on the existing card networks, so merchants keep their acquirer and customers keep their cards.
The value, five ways
Fraud stops being your bill
A CPoI payment is card-present, so the fraud liability sits with the issuing bank. Merchants stop absorbing losses on transactions they had no way to verify.
Chargebacks lose their oxygen
In roughly 85% of disputes a merchant simply cannot prove the cardholder transacted. Chip & PIN is that proof — so the dispute never stands.
The false-decline tax ends
Up to 65% of transactions blocked by fraud AI are legitimate, and 41% of those shoppers never come back. A real authentication removes the guesswork and the lost revenue.
Cash reaches you sooner
Card-present settlement is typically same-day. Working capital that used to sit in card-not-present limbo for weeks lands in the account faster.
Zero learning curve at checkout
No passwords, no one-time codes, no app to download. Customers use the tap-and-PIN gesture they perform every day, so conversion holds.
Stats you can cite
All key stats
Bulleted — paste as a fact box
• In ~85% of chargeback disputes the merchant can’t prove the cardholder transacted — so they refund. • A successful chargeback costs ~2.5× the sale value once refund, goods, fees and admin are counted. • Chargebacks grew ~45% in 2024. • Up to 65% of transactions blocked by fraud AI are false positives — real customers. • Merchants lose ~$13 for every $1 of false-positive fraud they prevent. • 41% of shoppers never return to a merchant after one wrongful decline.
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
CPoI in a nutshell
What it stands for
Card Present over Internet
How it works
Tap the card, enter the PIN — online.
Who owns the fraud
The issuing bank — it’s card-present.
What it runs on
The existing card networks.
Need assets, an interview or a data point?
Reach the CPoI team and we’ll get back to press quickly.
Writing about the future of online payments?
CPoI is the card-present rail brought online. We’re happy to brief you.