Reimagining payments: The real-world impact of Mypinpad’s consumer device solutions

In a world where smartphones are central to everyday life, Mypinpad is transforming them into powerful tools for secure payments, identity verification, and digital onboarding.

From enabling card-present payments on personal devices to verifying card ownership with a simple tap, Mypinpad’s consumer device innovation offers issuers, PSPs, banks, and e-commerce platforms a powerful way to enhance customer trust, streamline onboarding, and reduce fraud—without the need for additional hardware. Built for a mobile-first world, our solutions deliver secure, intuitive user experiences that unlock new revenue opportunities and drive operational efficiency.

Benefits of Mypinpad’s Consumer Device Solutions

1. Truly Anytime, Anywhere

Imagine making a secure payment with just your phone—no terminals, no queues, just fast, effortless transactions. With our solutions, consumers can use their NFC-enabled smartphones to pay anytime, anywhere—whether in-store, on the move, or at home. The possibilities are endless.

Our consumer device innovation is a game-changing approach built for a mobile-first world, ensuring payments are as seamless as everyday life.

2. Frictionless Trust

When it comes to payments, trust is paramount. Mypinpad’s consumer device solutions extend the security of card-present transactions into the digital space, creating a seamless and reliable experience for both consumers and merchants.

By eliminating the need to store sensitive card data on merchant website, our solutions significantly reduce fraud risk while upholding the highest standards of data protection. This fosters greater confidence among consumers even when purchasing on an unfamiliar website—and empowers merchants with higher approval rates, fewer chargebacks, and a more secure transaction environment overall.

3. A Multitude of Use Cases

Imagine verifying your identity with ease, confirming purchases effortlessly, or securely managing your account while on the go—entirely from your own device.

 

“Our innovations extend far beyond simple payments. With a single tap, consumers can perform a wide range of actions, from authenticating their identity and adding new cards to confirming transactions and updating PINs. This technology unlocks countless possibilities, transforming the way payments and other digital services are handled,” says Barry Levett, CEO at Mypinpad

 

Far-Reaching Benefits for Consumers and Businesses

Mypinpad’s consumer device innovation delivers meaningful advantages across the payments ecosystem:

  • For Consumers: Pay with confidence, wherever they are. Our technology puts convenience, security, and control directly in consumers’ hands—enabling seamless transactions, truly anytime, anywhere.
 
  • For Businesses: Unlock new revenue streams and deliver a frictionless payment experience. With simplified onboarding and reduced hardware costs, businesses can focus on growth while building trust through secure, modern payment options.

 

Leveraging Mypinpad’s Global Experience

We are passionate about improving payments and making transactions simpler, safer, and more accessible for everyone. Our experience supporting over 1.6 million merchants worldwide means we deliver proven, best-in-class solutions that help our clients succeed.

1. Security and Fraud Prevention:

Our solutions incorporate robust security measures, including PIN input for added verification, reducing unauthorised access and ensuring secure transactions. The focus on strong customer authentication is already being adopted by tier 1 banks, leveraging NFC and PIN-entry capabilities to deliver authentication within a familiar, user-friendly interface.

2. Operational Simplicity:

Mypinpad’s solutions are powered by a Full stack Software Development Kit (SDK) to deliver rapid go-to-market capabilities, enabling businesses to save time, reduce costs, and swiftly adapt to evolving market demands.

3. Enhanced User Experience:

At Mypinpad, we put customers first. Our technology bridges the gap between physical and digital channels by enabling true card-present payments within e-commerce journeys. With intuitive PIN entry and seamless NFC capabilities, users enjoy a secure, familiar, and trusted payment experience.

4. Proven Track Record:

Our solutions are trusted by leading global banks, fintechs and e-commerce companies that have implemented our SDK-based authentication within its mobile banking platform, setting a new benchmark for secure digital engagement. These implementations underscore the scalability, security, and versatility of our approach, meeting current market demands while unlocking new opportunities in the rapidly evolving digital payments landscape.

5. Certified for Confidence

Mypinpad has attained ISO 27001 certification, further solidifying its commitment to world-class data security. This certification, alongside our existing PCI MPoC, PCI DSS, and PCI PIN credentials, reflects our rigorous approach to safeguarding sensitive information across every touchpoint.

With these industry-leading certifications, Mypinpad delivers secure, resilient mobile card payment acceptance and identity authentication solutions—giving our customers and partners the confidence to innovate without compromise.

>> Learn more about Mypinpad’s consumer device innovation and how it works here

Mypinpad: Pioneering consumer device innovation

As everyday transactions become smarter and more connected, Mypinpad leads the way with breakthrough consumer device solutions. Our technology redefines how payment interactions take place—enabling secure, seamless access anytime, anywhere. Designed to support a wide range of use cases, our solutions meet the evolving demands of both consumers and businesses with trust and flexibility at their core.

What is Mypinpad’s Consumer Device Innovation?

Mypinpad’s consumer device innovation enables consumers to make secure, card-present transactions using their own NFC-enabled smartphones—without the need for a merchant’s payment terminal, or to visit an ATM or bank. By turning everyday devices into trusted payment/verification tools, this technology supports use cases across e-commerce, banking, peer-to-peer transactions, and more. It delivers a seamless, contactless experience while maintaining the highest standards of security.

Our consumer device innovation can be broken down into 3 prevailing use cases:

Tap to Own Device (TTOD): Consumers can make card-present payments directly on their own NFC-enabled smartphones—no need for a merchant terminal. Still in pilot, TTOD enables card-present payments in digital environments, improving approval rates and reducing fraud, chargebacks and disputes through liability shifts.

Tap to Add (TTA): A fast, secure way to digitise a payment card. Consumers simply tap their physical card on their smartphone to provision it into a mobile wallet. This also enables tokenisation for future e-commerce use, supporting a seamless transition from physical to digital payment credentials.

Tap to Confirm/Verify (TTV): A tap-based method for verifying a payment card’s authenticity. This anti-fraud measure confirms the card is in the user’s possession—helping to prevent account takeovers, fake card enrolments, and identity fraud during digital onboarding or high-risk transactions.

 

“Mypinpad’s consumer device innovation isn’t just a new payment method; it’s reimagining how we interact with our devices on a daily basis,” says Barry Levett, CEO at Mypinpad.  “We are setting the stage for a future where transactions are truly frictionless, empowering both consumers and businesses in new ways.”

 

How Does It Work?

Mypinpad’s consumer device technology makes secure interactions effortless. Whether adding a card, making a payment, or verifying ownership, the process is fast, intuitive, and designed with user convenience in mind.

To make a payment (TTOD), users tap their physical card to their NFC-enabled phone, enter a PIN if required, and complete the transaction.

To add a card (TTA), users simply tap their card on their own device. The card is instantly loaded into their digital wallet—ready for tokenised use in e-commerce or contactless payments.

To verify or confirm a card (TTV), a user may be asked to confirm they physically hold the payment card. Rather than entering card details manually or uploading images, they simply tap the card to their phone.

 

Global Reach, Unmatched Potential

With 84% of e-commerce transactions now made via cards or digital wallets, the shift to digital payments is undeniable. SoftPOS adoption is projected to surge by 683% by 2028—a clear signal that the future of payments lies in the palm of your hand.

In a world where mobile devices are everywhere, our software-first approach ensures that any business, anywhere, can offer secure, seamless payment experiences—without the need for extra hardware. This isn’t just global reach. It’s global readiness.

>> Read our article on the benefits of adopting Mypinpad’s consumer device solutions

 

Sources: Worldpay Global Payments Report 2024 , Juniper Research 2024