Bring the proof you already trust online
Securter's patented EMV Tap-and-PIN lets cardholders tap their own chip card on their phone and enter the PIN. The chip produces proof that the card was present and the PIN was verified, and the issuer validates it with its own keys.
Granted patents: United States 12,340,356 (June 2025). Israel 301854 (January 2026). Further applications pending.
How it works
- 1
Tap
The physical card on the phone.
- 2
Enter
The PIN.
- 3
The chip
Generates an EMV cryptogram.
- 4
The issuer
Receives strong, bank-verifiable proof that the card was present and the PIN was verified.
One tap. Card-anchored proof, wherever the shopper pays.
Watch the demo
Why the card matters
Passkeys and biometrics cover most online payments well. Fraud concentrates where trust based on the device is weakest:
No app, no enrolled credential
The only fallback is an SMS code.
First payment after a device change
A new phone, a SIM swap or an account recovery leaves no history to trust.
First-party disputes
When the account holder is the one disputing, a biometric on a phone says little about who held the card.
Securter adds an anchor that lives off the phone: the chip in the cardholder's hand.
Built for the payments ecosystem
Issuers & Acquirers
Add a card-anchored step-up to your existing authentication, on the cards you already issue.
PSPs
Offer your merchants card-anchored authentication through your gateway.
Merchants
Ask for the card and PIN when the risk calls for it, right in your checkout.
Cardholders
Pay online with the card you already carry. No card details typed into a browser.
Three ways to deploy
Use case 1
Step-up inside 3DS
An additional challenge method that the issuer's own ACS calls only when its risk engine asks for stronger authentication.
Use case 2
First enrollment in the issuer's app
The app account is bound to the physical card from day one, and the same tap handles device changes and recovery.
Use case 3
Merchant checkout
Tap-and-PIN embedded directly in the online checkout, offered through the acquirer or PSP.
No new rails and no card reissuance. The cards people already carry are enough.
Start with one use case
We run structured pilots with issuers, acquirers, PSPs and merchants. Choose one use case, scope it together, and measure the results on your own data.