Eliminate fraud and realize absolute confidence
in your payment transactions.



  • Based on the increase in man-in-the-middle and business email compromise attacks alone, multi-factor authentication solutions for digital payment transactions are failing. Today, the problem is prevalent in online, mobile and P2P payment transactions.

  • Criminals can easily misuse Dumb PINs and execute man-in-the-middle attacks during call-backs to verify identity or transaction instructions.    

  • The security challenges and confirmation calls are a nuisance to the customer.


  • Customers submit a Permission Code Smart PIN with their transaction request. 

  • The customer's identification is bound with key details of the requested payment.

  • The Smart PIN details transaction terms to prevent it from being misused, and guarantees that the payment originated with and is authorized by the customer and none other.

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