How CPoI® unlocks revenue and profit for Issuers

Card Issuers today are fighting a battle across four fronts:

• False positives that block good customers and bleed interchange

• Card-not-present (CNP) fraud losses can run six to ten times higher than card present

• Operational drag from disputes, card reissues, and call centre costs

• Cardholder churn when customers are denied

You don’t see all of these on one line of the P&L, but together they erode margin every single day.

Now picture a different world. Every e-commerce purchase your customers make carries the same high-assurance as a supermarket tap. Fraud pressure eases. Approvals go up. Costs shrink. Loyalty grows.

Sounds too good to be true?

It’s not.

Card Present over Internet® (CPoI®): A win for Issuers

In simple terms, Burbank’s CPoI® enables EMV grade, card present e-commerce transactions using the consumer’s own mobile device. The cardholder’s identity is proven as categorically as it is in-store, giving Issuers a level of confidence that has never been possible online.

The beauty of CPoI® is that it uses the existing payments rails. No new technology, no complicated verification detours, it works with existing card networks and modern consumer off the shelf devices, making online checkout as safe and reliable as in-store payments.

How Issuers benefit: four levers that move your P&L

Increase approvals

False positives are the quietest revenue killer. Every good transaction blocked is lost interchange today and lost revolving balances tomorrow. With CPoI®, Issuers can approve more of the right spend. Even a modest uplift compounds quickly across your book.

Fraud down

With fraud rates that are 6 – 10 times higher than card-present transactions, CNP keeps Issuers on the defensive. CPoI® enables card present payments and therefore categoric cardholder verification, reducing fraud losses for Issuers by 45%.

Costs out

Fraud is expensive beyond the write-off. It racks up call-centre time, chargeback cycles, and card reissuance. With CPoI®, disputes are significantly reduced, manual reviews are needed less, and the environment benefits with less plastic (cards). It also reduces reliance on expensive fraud tooling, built to compensate for weak signals.

Loyalty in

Every unnecessary decline is a dent in consumer trust. But a ‘tap to pay’ checkout is familiar, fast, and builds confidence. And this keeps the Issuer’s card top of wallet – not just today, but across the lifetime of the customer relationship.

Interchange revenue: no downside

One of the first questions Issuers ask is: Will CPoI® reduce interchange?

In capped markets like Europe, the answer is a simple no. Roughly 95% of Issuer volumes are interchange-capped, with no CP vs CNP differential. In uncapped segments, the gains from approvals, fraud savings, and lower operational costs easily outweigh any mix effects. Indeed, CPoI® protects interchange in capped markets and grows total profit everywhere.

A day in the life of an Issuer: before and after CPoI®

Before

Your fraud team spends morning on queues of manual reviews. A rule change tightens risk controls overnight, cutting fraud but spiking false positives. Social channels carry complaints about declined transactions. Your call centre escalates chargebacks. Product managers push back against the fraud team because conversion is down.

After

Those same transactions arrive with EMV-grade authentication tied to the customer’s device. Fraud losses fall without draconian controls. Approvals rise. Review queues shrink. Call volume lightens. Complaints fade. Product can focus on growth instead of firefighting.

How to prove CPoI® in your portfolio

You don’t need a big-bang rollout. A pilot test tells the story fast:

1. Choose two cohorts: one high-friction e-commerce segment, one mainstream

2. Track baseline key metrics: approval, false positives, fraud, chargebacks, reissuance, call minutes

3. Run CPoI® for 60-90 days: keep risk settings stable to isolate the effect

4. Translate the outcomes into your P&L: interchange from approvals, savings from fraud, euros or dollars from fewer disputes and plastics

   
   

When you see the results, the case writes itself.

Inclusion is an Issuer opportunity too

Not all customers are comfortable purchasing online. Some avoid e-commerce altogether because typing in card numbers and dealing with one-time codes feels risky, or complicated. A checkout that looks and feels the same as a tap in-store changes that. It brings hesitant groups into digital commerce with confidence, growing spend and deepening engagement on your card.

Why Burbank?

We have been on the front edge of Issuer innovation for more than a decade. From the first live PIN on Mobile solution to the first cloud-based POS terminal and cloud HSM, across 1600+ patents. The thread running through is the same: making EMV-grade security practical, scalable, and profitable.

CPoI® is the next step. It is not theory. It is a ready-to-deploy way for Issuers to turn online payments into safe, simple, and profitable events.

The bottom line

For Issuers, CPoI® is not just about reducing fraud and false positives. It’s about unlocking revenue, cutting costs, and keeping your card top-of-wallet.

Fraud down.

Approvals up.

Costs out.

Loyalty in.

That is how you protect and grow your P&L in an increasingly digital world.