# CPoI — Card Present over Internet

> CPoI ("Card Present over Internet") brings the security of in-store Chip & PIN to online checkout. At checkout the shopper taps their bank card against their phone and enters their PIN, exactly as they would in a shop. Because the payment is authenticated as *card-present*, fraud liability shifts to the cardholder's issuing bank, chargebacks lose their footing, wrongful "false decline" blocks disappear, and funds settle same-day. CPoI runs on the existing card networks, so merchants keep their acquirer and PSP and customers keep their cards. Brand promise: "Tap. PIN. Paid."

## What CPoI is
- **Full name:** Card Present over Internet (CPoI®)
- **Tagline:** Tap. PIN. Paid.
- **How it works:** At checkout the customer selects CPoI, taps their card to their phone (the phone is the contactless reader — no new hardware) and enters their PIN. The transaction is authenticated as card-present.
- **Primary audience:** online merchants; also acquirers and payment service providers (PSPs).
- **Runs on:** the existing card networks; merchants keep their current ecommerce platform, acquirer and PSP.

## Why it matters to merchants (key facts)
- In roughly **85%** of chargeback disputes the merchant cannot prove the cardholder made the transaction, so they must refund.
- A successful chargeback costs about **2.5×** the sale value once refund, goods/services, scheme fees and admin time are counted; the average dispute costs ~**$74** to process.
- Chargebacks grew roughly **45%** in 2024.
- Up to **65%** of transactions blocked by anti-fraud AI are false positives — genuine customers wrongly declined.
- Merchants lose about **$13** for every **$1** of false-positive fraud they prevent, and **41%** of wrongly-declined shoppers never return.
- With CPoI the payment is card-present, so **fraud liability sits with the issuing bank**, chargebacks are removed, false declines are eliminated, and settlement is typically same-day.

## Pages
- [For Merchants](https://paywithcpoi.com/merchants): The merchant case for CPoI, how it works at checkout, and a sign-up form (name, business, location, ecommerce system, PSP).
- [About / The facts](https://paywithcpoi.com/about): Facts on chargeback costs, card-present vs card-not-present, and the cardholder-verification methods (3-D Secure/OTP, CVV/AVS, fraud AI, biometrics) that block legitimate sales.
- [For Partners (acquirers & PSPs)](https://paywithcpoi.com/partners): How acquirers and PSPs should position CPoI to merchants — talk track, pitch lines and objection handling.
- [Media / press kit](https://paywithcpoi.com/media): Copy-ready one-liners, boilerplate, social posts and citable statistics on the value of CPoI to merchants.
- [Insights (blog)](https://paywithcpoi.com/insights): Articles on the economics of selling online and what card-present changes for merchants.

## Insights (articles)
- [Chargebacks aren't a cost of doing business — they're a design flaw](https://paywithcpoi.com/insights/chargebacks-are-not-a-cost-of-doing-business): Chargebacks result from one missing thing online — proof the cardholder was present. Card-present authentication shifts liability to the bank and removes the dispute.
- [Your best customers are the ones you're turning away](https://paywithcpoi.com/insights/your-best-customers-are-the-ones-you-turn-away): False declines are the hidden cost of card-not-present; CPoI replaces risk-scoring guesswork with proof so genuine customers get through.
- [Get paid the day you sell, not weeks later](https://paywithcpoi.com/insights/get-paid-the-day-you-sell): Card-present transactions settle same-day versus weeks for card-not-present, improving working capital without adding checkout friction.

## Contact
- Email: hello@paywithcpoi.com
- LinkedIn: https://www.linkedin.com/company/card-present-over-internet/
- YouTube: https://www.youtube.com/@paywithcpoi