E-commerce
Turn a card-not-present transaction into a card-present event — with a tap.
When a consumer taps their physical card against their own device during an online checkout, the transaction is authenticated as card-present — not card-not-present. The risk profile changes. Fraud exposure falls.
The problem with card-not-present
CNP fraud is a major source of payment losses for issuers and merchants — and the tools designed to fight it often create as many problems as they solve.
CNP fraud remains the dominant card fraud vector — Capgemini World Payments Report 2026
Chargebacks and false declines erode merchant revenue and cardholder trust
Friction-heavy 3DS flows increase cart abandonment, particularly on mobile
The UK contactless cap was removed on 19 March 2026 — a clear signal that friction at the point of interaction should be reduced, not increased
How Tap to Own Device turns CNP into card present
Three steps. No PAN stored. Cryptographic proof of card possession.
Consumer initiates checkout
The consumer reaches card payment in a merchant or banking app.
Tap to confirm card possession
The app asks them to tap their card on their phone. The NFC read proves they hold it.
Transaction proceeds as card-present
The app generates cryptographic proof of possession and stores no PAN. The transaction is processed as card-present.
Who Tap to Own Device is for
Anyone losing money in the gap between CNP and card-present.
E-commerce merchants
Fewer chargebacks and less 3DS abandonment on high-value purchases, with a faster path to checkout.
Card issuers
Cut CNP fraud without friction that costs authorisation rates, and replace soft declines with a card-present decision.
PSPs and platforms
One SDK integration adds a card-present option to checkout across your merchant base.
Fraud teams
A cryptographic possession check stops CNP fraud at authentication, not after the event.
Proven at enterprise scale
Mercado Libre uses Mypinpad at scale for authentication on consumer devices. It passed enterprise security review to get there.
It is live, certified and processing real transactions.
Reduce CNP fraud without adding checkout friction
Talk to us about adding Tap to Own Device to your checkout or banking app.