Verification codes rely on third-party channels
SMS and email one-time codes are phished, SIM-swapped, and relayed at scale. They are still the default step-up.
PaymentsINDUSTRIES / IDENTITY IN CONTEXT
Approve the payment.
Verify the person.
SenseCrypt IdPLaunched
When your risk engine requests step-up authentication, verify the customer with a live face check. SenseCrypt IdP supports FAPI 2.0, FAPI 2.0 Message Signing and FAPI-CIBA for financial-grade flows. Your integration must present and validate the payment details.
Person-bound accessONE IDENTITY / PAYMENTS
One face check for step-up authentication.
01 / THE PERSONEnrolled phone02 / THE PROOFLive face check03 / YOUR ENVIRONMENTCheckout step-up
01Current approach
Where payment verification adds friction.
Verification friction can lose a sale
Every extra code typed at checkout costs completed payments; every reset costs a returning customer.
Repeated prompts encourage careless approvals
Users tap Approve to make prompts go away. Attackers count on exactly that.
3-D Secure adds checkout friction
Challenge flows bolted onto checkout cut completion. The customer blames your brand, not the issuer.
Payment accounts attract attackers
Stored cards make every account worth taking over, and stuffed passwords are the cheapest way in.
A different challenge on every channel
Web, app, and in-store each authenticate differently. Users feel the inconsistency, and fraud exploits it.
02When to use it
How SenseCrypt fits into checkout.
SENSECRYPT / PAYMENTS
Approval that names the request
Each prompt shows the verified app and the exact action being approved, and the configured face check matches the enrolled person.
Backchannel confirmation, built in
Start backchannel authentication with FAPI-CIBA for financial-grade flows. The customer completes the face check on their enrolled device; your application validates the result and enforces the intended payment authorization.
No code left to capture
No sign-in code is typed or read aloud, and proofs travel over protected transport.
Step up only when it matters
Keep low-risk payments one-step. Escalation stays your call, and SenseCrypt supplies the strong step.
Your checkout, their phone
Buyers approve in the authenticator app on their enrolled phone, or through a validated embedded SDK integration in your own app. The device at checkout needs no enrollment.
One platform for operations and fraud teams
Your internal consoles ride the same IdP, with roles, scopes, and identity and administration events on the audit trail.
Merchant portals, per tenant
Each merchant gets an isolated tenant with its own users and branding: SSO you offer, not build.
Your responsibilities
- Presenting and verifying the exact merchant, amount and transaction details in your payment integration.
- The passkey path wherever origin-bound phishing resistance is required; Simple QR is not origin-bound.
- Access enforcement and payment-action logs inside your application.
03Relevant solutions
Choose products for your deployment.
SenseCrypt PKI
Sign transactions with a face-derived key recreated in memory; certificates and issuer infrastructure have separate storage requirements.
Available