Make Trust Pay: Why trust, not speed, is now the real driver of online conversion. Download the report
Traditional online payments rely on probability
Online payment security is built around prediction.
Without confirmation of the cardholder at the point of payment, every transaction carries uncertainty. Anti-fraud tools mitigate that uncertainty, but they cannot eliminate it.
That is why fraud persists, and why legitimate customers are still declined.
By enabling card present payments in online channels, CPoI® removes this uncertainty by confirming the cardholder at the point of payment.
The power of Card Present over Internet®
From prediction to confirmation
CPoI® confirms the cardholder at the point of payment, replacing probability with certainty.
From chargebacks to validated transactions
CPoI® validates the transaction at the point of payment, reducing the conditions that enable fraud and chargebacks.
From declining customers to approving them
CPoI® eliminates the possibility of incorrectly deeming genuine customers a fraud risk and declining their transactions.
From layers tools to simplified online payments
CPoI® reduces reliance on anti-fraud tools, rules engines, and layers of customer verification.
Find out what you could save with CPoI®
A better experience for consumers
Familiar
The same process they’ve known and trusted for decades – Card and PIN.
Safe
No entering card details, and no financial information is stored.
Trusted
Payment is made using their own device.
Simple
No layers of authentication or unfamiliar ID verification steps.
Shift transaction liability
CPoI® is the only solution that places liability for online transactions with the Issuer by enabling card-present payments in online channels. This significantly reduces chargebacks and the merchant services fee - a bottom line impact of around 1%.
Eliminate
100% of false positives
Remove the barriers to online shopping by enabling customers to pay the same way as they do in-store. Tap and PIN is understood by all generations and universally accepted as convenient and secure. Attract new customers who may be wary of shopping online.
Broaden customer segments
Online payments, done right.
No biometrics.
No SMS.
No emails.
No switching between apps.
No friction.
No lost sales.
No frustrated customers.
Just simple, secure, scalable online payments.
False positives are completely eliminated with CPoI®. Reduce reliance on expensive AI systems that are designed to mitigate payment fraud, but end up increasing false positives, as well as adding complexity and friction into the customer experience.
Transformational technology at your control
We make it easy. You're in control of how to build, host, and certify your solution. And, the Burbank team is here to provide support when you need it.
Seamless integration
Our SDK is designed for frictionless integration and comprises a mobile library, containerised back-end services, comprehensive documentation and reference implementations.
Simple delivery
Burbank's solution is delivered as a single (white-label) SDK that can sit securely inside your existing technology stack.
PCI certified
Burbank's technology is PCI certified and, if needed, can be certified in your name giving you complete autonomy. We'll even support your team through the certification process.
You're in control
Built from the ground up by a team of experts using cloud native technologies and can be hosted in the cloud or on-premises based on your compliance and data sovereignty requirements, placing you firmly in control.
Multiple schemes & devices supported
Supports multiple schemes (Visa, MasterCard) and works on both Android and iOS/Apple devices ensuring optimal inclusion.