Dynamic Security Codes
The CVV on your card never changes. That’s the problem.
Every card-not-present fraud attack exploits the same vulnerability: static credentials printed on a physical card that remain valid forever, regardless of how many times they’re stolen.
The 3-digit CVV on the back of your card was designed in the 1990s as a basic verification mechanism. It has not fundamentally changed since. Once a fraudster captures it — through phishing, data breach, or skimming — they have everything they need to make card-not-present purchases indefinitely.
This is not a verification problem. It is a credential design problem. No amount of anomaly detection, transaction monitoring, or 3DS friction changes the fact that a stolen static CVV is a valid credential that works until the card expires.
Dynamic Security Codes eliminate the attack surface. A new, time-limited code is generated for each transaction. The moment a fraudster captures it, it is already invalid.
The Solution
A CVV that expires. Every time.
SafeCypher generates a fresh 3-digit Dynamic Security Code for every card-not-present transaction. The code appears in the cardholder’s banking app — the one they already use every day. It is valid for a single use, and expires in minutes. Stolen credentials become worthless the moment they leave the fraudster’s hands.
Single-use
One code. One transaction. Used once, it’s gone.
App-native
Delivered in the cardholder’s existing banking app. No new device. No SMS to intercept.
No card reissuance
Works with the existing card in the cardholder’s wallet. No plastic replacement cycle.
Invisible to genuine customers
Three extra taps to activate. Then business as usual — but fraud-free.
Part of the SafeCypher platform — see how one API unlocks seven products.
The Cardholder Experience
How it works
Eight screens. Full protection. No friction for genuine cardholders.
Accounts list
The cardholder opens their mobile banking app and sees their accounts — the starting point for every journey.
Account detail
They select their card account to view the full detail view, where card management options are surfaced.
Manage card
The card management screen gives access to security and protection settings — including Dynamic CVV.
Fraud explanation
The app clearly explains what CNP fraud is and why Dynamic CVV eliminates it — transparency that builds trust.
How it works
A simple explanation shows how a fresh code is generated for each transaction, making intercepted data worthless.
dCVV location
The cardholder is shown exactly where to find their dynamic CVV in the app — no confusion, no friction.
dCVV on
A single toggle activates Dynamic CVV. Protection is live immediately — no branch visit, no card replacement.
Show dCVV
The current dynamic code is displayed in-app, ready to use at checkout. Used once, it expires immediately.
Proven in Production
Real results at scale.
Not a pilot. Not a proof of concept. A live deployment protecting hundreds of thousands of real transactions across An Post's entire card-not-present portfolio.
800,000+
card-not-present transactions processed
18 months
of live production operation
Zero
CNP fraud incidents across the entire portfolio
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. Zero fraud incidents across a live production portfolio — not a test, not a pilot.”— 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.
For Issuers
Live in weeks. No disruption to your card programme.
SafeCypher integrates at the processor level — meaning a single integration serves every issuer on that processor's network. For an individual issuer, activation is incremental: one API endpoint, no card reissuance, no customer re-enrolment.
Single API endpoint
One integration unlocks the full Dynamic Security Codes product. No additional infrastructure required.
No card reissuance
Dynamic codes work with the existing card in the cardholder's wallet. No plastic replacement cycle, no cardholder disruption.
Live in weeks
From signed contract to production deployment — weeks, not quarters. SafeCypher's processor-level model removes integration complexity.
Major processor compatible
Built to work with the processors already serving your card programme. TSYS compatibility confirmed.
What the integration looks like for your technical team
Ready to eliminate CNP fraud?
See the financial impact for your portfolio, or talk to the team directly.