Eliminate card-not-present fraud.
Not reduce.
Eliminate.
SafeCypher replaces static CVV credentials with dynamic security codes that change every few seconds — making stolen card data worthless.
The Threat Is Growing
Card-not-present fraud is accelerating. Agentic commerce is about to make it catastrophic.
Card numbers, expiry dates, CVVs: the entire credential set is static. Once stolen, it stays stolen. A compromised number means unlimited fraud until the cardholder notices. This is the transaction problem.
The same static credentials break identity verification: issuers verify cardholders through Knowledge-Based Authentication (KBA) and one-time passwords (OTPs) vulnerable to interception. This is the people problem.
And now, AI agents initiate autonomous purchases where fraud tools cannot distinguish agent from human. This is the agent problem.
Three audiences. Three control failures. One root cause: static credentials that anyone can copy and reuse.
$12B+
annual CNP fraud losses (US)
80%
of card details already on the dark web
450%
increase in AI agent threats (Visa, 2025)
Who SafeCypher Protects
Eliminating fraud across every transaction type
One integration. Three audiences. Zero compromise.
Transactions
Dynamic codes replace static CVVs. Every code is unique, single-use, and expires. Nothing static remains to steal.
Learn about the platform →People
Cryptographic identity verification replaces KBA and OTPs. The device becomes the credential.
See how it works →Agents
Human-in-the-loop controls for AI commerce. Every autonomous transaction requires cardholder approval.
Explore agentic commerce security →Integrate once. Unlock everything.
SafeCypher connects via a single REST API. One integration unlocks dynamic security codes for card-not-present, Safe Verify for call centre authentication, and every product in the platform.
Already integrated with TSYS for card issuer networks.
See the architecture →Architecture diagram — full detail on the Platform page
Proven in Production
Real results. Verified at scale.
Not a proof of concept. Not a pilot. A production deployment protecting real transactions.
800,000+
card-not-present transactions processed
18 months
of live production operation
Zero
CNP fraud incidents
50%
increase in card usage
Ireland's national postal service — Live production since 2024
“SafeCypher's dynamic security codes gave us complete confidence in our card-not-present transactions. No fraud. No friction. No compromises.”— An Post Financial Services
Cardholders who trust their card use it more. An Post Money saw 50% higher card usage and the interchange revenue that comes with it. This stops being a fraud line item. It becomes a growth lever.
“Invisible payments depend on invisible trust. Trust has to be built in, not bolted on.”Karen Webster, CEO, PYMNTS • PYMNTS.com, 2025
The Human Cost
Behind every fraudulent transaction is a real person.
1 in 4
cardholders have been a victim of payment fraud. Most never recover the full amount. Many never feel safe using their card online again.
Card-not-present fraud is not a line item on a quarterly loss report. It is a family discovering their savings are gone. It is an elderly customer who no longer trusts online shopping. It is a small business owner waiting for a chargeback that may never come.
Every static CVV that sits on a card is a vulnerability waiting to be exploited. SafeCypher closes that vulnerability permanently — not for the bank's balance sheet, but for every person whose card is in their wallet.
£360
average loss per CNP fraud victim — often unrecoverable by the time it is reported
We built SafeCypher because we believe fraud prevention is a human obligation, not just a business efficiency.
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