Be one of the first to offer card present payments online
CPoI® enables acquirers and payment service providers to extend the globally trusted card present payments into online and mobile commerce.
Give your merchants a more secure way to accept payments online, while helping reduce fraud, chargebacks and unnecessary declines.
Different merchants.
Different priorities.
One proposition.
Every merchant has different priorities. CPoI® gives you a new way to address some of the biggest challenges they face in online payments.
The cost of fraud
Reduce the cost and operational burden of fraud, chargebacks, disputes and manual reviews.
Verify genuine cardholders at checkout, reducing false declines caused by anti fraud tools.
Approvals and conversion
Fraud and chargebacks
Significantly reduce online fraud and chargebacks, with fraud liability and risk sitting with the issuing bank.
Customer experience
Bring the familiar tap and PIN experience online, combining stronger authentication with a simple way to pay.
Value for merchants = value for you
CPoI® gives you a differentiated payment proposition that can strengthen merchant relationships and create new opportunities for growth.
Win new customers
Stand out with a payment proposition that addresses some of the biggest challenges in online commerce.
Strengthen existing relationships
Help your merchants tackle fraud, chargebacks and false declines with a fundamentally different approach to online payments.
Grow your value proposition
Add CPoI® to your existing payment offering and create new opportunities across your merchant portfolio.
We're working with acquirers and payment service providers to bring CPoI® to merchants around the world.
Talk to us about becoming a CPoI® partner.
Your brand
CPoI® is white-labelled, keeping your brand and merchant proposition front and centre.
Simple integration
Our SDK is designed to integrate CPoI® into your existing payment infrastructure and merchant offering.
Your commercial model
You decide how CPoI® is packaged, priced and offered to your merchants.
Our expertise and support
From integration to go live, the Burbank team works alongside you to integrate CPoI®.
Your brand
CPoI® is white-labelled, keeping your brand and merchant proposition front and centre.
Simple integration
Our SDK is designed to integrate CPoI® into your existing payment infrastructure and merchant offering.
Your commercial model
You decide how CPoI® is packaged, priced and offered to your merchants.
Our expertise and support
From integration to go live, the Burbank team works alongside you to integrate CPoI®.
Frequently asked questions
No. Consumers use their own smartphone. There is no additional hardware required for merchants.
3D Secure provides an additional verification layer for card not present transactions. CPoI® is fundamentally different because it enables card present transactions in online channels using the physical card and PIN.
No. CPoI® has been designed to integrate seamlessly into the existing payments ecosystem rather. Exactly how it is deployed will depend on the acquirers and payments services providers, but our goal is to work with the industry to deploy CPoI® and make it accessible to all merchants globally.
Because the transaction is authenticated as card present with tap and PIN, fraud liability sits with the issuing bank; the same as an in-store tap.
No. Merchants can integrate CPoI® alongside their existing checkout process, allowing customers to choose the most appropriate payment experience.
Yes. CPoI® has been designed to operate within the existing global payments ecosystem and is being progressed through the appropriate payment scheme, security and industry processes.
Start with their chargeback ratio and their decline rate. CPoI® solves both at once: it removes the disputes they lose and recovers the customers they wrongly block.
Because merchants compete on both customer experience and payment economics. If you can reduce fraud, lower disputes, improve approval rates and simplify checkout, those benefits flow directly to revenue and operating margin.