The Root Cause
Static credentials are the problem. Every tool that doesn't fix that is managing symptoms.
Every card-not-present transaction relies on a credential that never changes — the 16-digit PAN, the expiry date, the CVV printed on the back of the card. Once stolen, those credentials work forever. Not until the card expires. Not until the next cycle. Forever.
Fraudsters don't need the physical card. They need the numbers. CNP fraud is not a verification failure — it is a credential design failure. Static credentials cannot be secured. They can only be monitored, flagged, and occasionally intercepted.
SafeCypher's position is simple: the only fix is a credential that expires before it can be re-used. Dynamic, time-sensitive, single-use. Everything else — tokenisation, 3DS, behavioural scoring — is valuable, and insufficient.
The SafeCypher Approach
A credential that expires before it can be used.
SafeCypher issues a new, time-limited security code for each transaction — delivered through the cardholder's existing banking app. No new card. No new device. No friction for genuine customers. And no usable credential for an attacker who intercepts it.
Time-limited
Codes expire. Stolen credentials are worthless by the time they're used.
App-native
Delivered through the cardholder's banking app. Zero new infrastructure for end users.
One integration
A single processor-level API unlocks the full product suite.
See Dynamic Security Codes →Why Now
The industry is converging. Issuers need a verification layer.
McKinsey identifies dynamic CVV as a component of future-state payments-as-a-service infrastructure, positioning it alongside tokenisation in the layer that replaces legacy authorisation. Visa launched Intelligent Commerce. Mastercard launched Agent Pay.
But none solve the issuer's core problem: independent verification of cardholder intent. SafeCypher puts that control back in the issuer's hands.
The networks are building rails for autonomous commerce. SafeCypher builds the verification layer that makes those rails safe for issuers.
McKinsey
Dynamic CVV is future-state payments infrastructure
Positioned alongside tokenisation in the layer that replaces legacy authorisation.
McKinsey, 2021
Visa
Intelligent Commerce
AI agent payment rails — enabling autonomous purchases across the Visa network.
Visa, 2025
Mastercard
Agent Pay
Autonomous purchase approval infrastructure for AI-initiated card transactions.
Mastercard, 2025
One Integration
One API. Seven products. Three audiences.
Primary Products
Transactions
Learn more →People
Learn more →Additional Products
Agents
Commerce
Onboarding
Issuance
Authentication
Architecture diagram — integration detail available on request
The Full Platform
One integration. One API. The entire platform.
Every capability activates from the same processor-level API connection — no new infrastructure, no new contracts.
| Capability | Audience | What it solves | Status |
|---|---|---|---|
| Dynamic Security Code | Transactions | Eliminates CNP fraud by replacing static CVV with a single-use, time-sensitive code. | Live in production |
| Safe Verify | People | Replaces KBA and OTPs in call centres and branches with cryptographic identity verification. | Launching now |
| Safe Agent | Agents | AI agent identification and human-in-the-loop approval for autonomous card transactions. | MVP: 8–12 weeks |
| E-Wallet + New Card | Transactions | Secures wallet onboarding and new card activation with dynamic credential handshake. | Available now |
| Secure Card Delivery | Transactions | Protects card details during digital delivery — closes the window between issue and activation. | Available now |
| Safe Pay | Transactions | Auto-populates payment details like Apple Pay, on your rails. | In development |
The Honest Comparison
Existing tools reduce fraud. SafeCypher eliminates it.
Tokenisation, 3DS, and behavioural analytics are all legitimate tools — and none of them make stolen credentials worthless. SafeCypher does.
| Approach | What it covers | What the gap is |
|---|---|---|
| Tokenisation | Replaces the PAN with a token bound to a specific merchant or device | Token is static for the session — re-usable if intercepted before completion |
| 3D Secure (3DS) | Adds a cardholder authentication challenge at checkout | Authentication relies on static credentials — friction introduced, credential value unchanged |
| Behavioural Analytics | Flags anomalous transaction patterns using ML scoring | Detects fraud probability after credential theft — does not make credentials worthless |
| SafeCypherYou are here | Issues a new, time-limited credential per transaction via the cardholder’s banking app | Eliminates CNP fraud — stolen credentials expire before they can be used |
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.
“Invisible payments depend on invisible trust. Trust has to be built in, not bolted on.”Karen Webster, CEO, PYMNTS • PYMNTS.com, 2025
Ready to eliminate CNP fraud?
See the financial impact for your portfolio, or talk to the team directly.