Take payments online as if the card were in your hand
CPoI adds one payment method to your checkout — and with it, in-store Chip & PIN protection. Fraud becomes the bank’s liability, chargebacks lose their footing, and the customers your fraud filter used to block simply get through.
What changes the day you turn CPoI on
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.
Three taps for your customer. Zero hardware for you.
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.
Get CPoI on your checkout
- Works with your current cards, acquirer and PSP
- No new hardware — the shopper’s phone is the reader
- Fraud liability shifts to the issuing bank
- Same-day, card-present settlement