Ask for the card and PIN when the risk calls for it
Securter adds patented EMV Tap-and-PIN to your online checkout. AI risk scoring from a specialist partner decides when to request the tap, and other orders go through as usual.
The challenge
False declines
Genuine customers turned away at checkout cost sales and loyalty.
Card-not-present fraud
Fraud and the chargebacks that follow erode margins and add operational work.
Weak fallbacks
When an order looks risky, the usual step-up is an SMS code, which can be phished or intercepted after a SIM swap.
How it works at checkout
- 1
Risk check
AI risk scoring from our partner scores the order.
- 2
Tap and PIN
When the order needs it, the shopper taps their card on their phone and enters the PIN. A QR code on desktop, a button on mobile.
- 3
Chip proof
The chip generates a cryptogram unique to that card and that transaction.
- 4
Payment continues
Your PSP receives the payment data with the chip proof and sends the authorization.
Securter never stores a card number, and the shopper never types card details into the browser.
What you get
Patented EMV Tap-and-PIN
Card-present equivalent authentication for online purchases.
Risk-based orchestration
Tap-and-PIN combined with AI risk scoring from a specialist partner. The tap is requested when the risk calls for it.
Merchant dashboard
Follow authentications and risk scores in one place.
Through your PSP
Securter connects to your payment provider.
Where it helps most
High-value orders, with a step-up proportionate to the amount at risk.
Digital goods and gaming, where first-party disputes are common.
Purchases that start on one device and finish on another.
Corporate and delegated payments, where the cardholder approves without sharing card details.
Talk to us about a pilot for your business
We work with your PSP or acquirer to add Securter to your checkout and measure the results on your own orders.