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Solutions

Stop Fraud Before It Authorizes.
Identity-Bound Payment Gateway.

VerifiNow Payments is a full-featured payment gateway that verifies the person, not just the card. Process secure payments with biometric certainty — authorization, processing, settlement, and fraud prevention in one platform. Not an IDV tool bolted onto a gateway. Identity binding is the gateway.

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$100B+
Expected chargeback losses in 2025
1,100%
Surge in deepfake fraud (US)
99.2%
Chargeback dispute win rate
87%
Fraud reduction after implementation
The Problem

Three fraud vectors are accelerating simultaneously. Traditional gateways were built for a different threat landscape.

Chargebacks

$100B+ Expected in 2025

61% are friendly fraud. Merchants win only 8.1% of disputes. Without verified identity evidence, you're fighting with transaction logs instead of proof.

Card-Not-Present Fraud

1,100% Surge in Deepfakes

Stolen credentials are commodities. AI generates synthetic IDs in minutes. Behavioral checks can't detect AI-era fraud.

Account Takeover

269M Records Compromised

Credential stuffing is automated. Phishing is personalized by AI. Fraudsters move faster than your fraud alerts.

How It Works

Verify → Bind → Authorize

Complete in seconds. Dispute-ready from the moment of purchase.

1

Initiate

Cardholder begins payment at checkout — web, mobile, or in-person. VerifiNow Payments triggers identity verification as part of the authorization flow.

2

Verify Identity

Real-time ID authentication against AAMVA, Interpol, and global databases. Liveness detection defeats deepfakes. 99.95%+ facial biometric match confidence.

3

Bind

Verified identity cryptographically bound to the transaction — a tamper-proof, timestamped evidence package tied to this specific payment.

4

Authorize

Payment authorizes with a complete, defensible identity record attached. Dispute-ready from the moment of transaction — before a chargeback is ever filed.

Complete Feature Set

Payment + Identity + Outcomes.

Payment Processing

  • 150+ currencies with real-time conversion
  • Recurring billing & subscription management
  • Same-day settlement available
  • Real-time webhook event notifications
  • Unified payments dashboard

Identity Verification

  • Government ID authentication (AAMVA, Interpol, global)
  • AI liveness detection — 0% false negatives on synthetic media
  • 99.95%+ facial biometric match confidence
  • Cryptographic identity binding to transaction
  • Deepfake and synthetic ID detection

Business Outcomes

  • 99.2% chargeback dispute win rate
  • 87% fraud reduction after implementation
  • Real-time KYC/AML compliance dashboard
  • Immutable audit trail per transaction
  • Fraud risk assessment & customer insights
Feature
Traditional Gateway
VerifiNow Payments
Payment Processing
✓
✓
Identity Verification
—
✓
Deepfake Detection
—
✓
Biometric Matching
—
✓
Chargeback Evidence
—
✓
Unified Dashboard
✓
✓ (integrated)
Compliance Tracking (KYC/AML)
Limited
✓ Full
Security & Compliance

Enterprise-grade security. Built to meet every regulatory requirement.

Data Protection

TLS 1.3 encryption in transit. AES-256 at rest. Biometric data stored in isolated systems, never shared, purged after identity binding. PCI DSS Level 1 certified.

  • Zero-knowledge architecture — we verify, we don't store
  • Annual third-party penetration testing
  • 99.99% uptime SLA with financial guarantees
  • 24/7 security monitoring & incident response

Regulatory Compliance

Meets or exceeds all major regulatory frameworks — built for financial services, e-commerce, and enterprise merchants globally.

  • PCI DSS Level 1 — third-party audited annually
  • KYC/AML — integrated know-your-customer verification
  • GDPR, CCPA, LGPD, UK GDPR compliant
  • FINRA/SEC financial services regulations

Merchant Protection

Every verified transaction is protected. We absorb fraud losses on identity-verified transactions, provide full legal support for disputes, and back all SLAs with financial guarantees.

  • Chargeback protection for verified transactions
  • Fraud guarantee — we absorb verified-identity fraud losses
  • Expert legal support for disputes & investigations
  • Pre-formatted regulatory reporting

Audit & Transparency

Every transaction generates an immutable audit trail of every verification step, timestamp, and decision. Admissible in disputes and legal proceedings — complete evidence packages on demand.

  • Immutable audit trail — cannot be altered or deleted
  • Real-time merchant dashboard visibility
  • Dispute-ready evidence packages per transaction
  • Automated compliance reporting
Why VerifiNow Payments

The only identity-bound payment gateway built for AI-era fraud.

Identity in the Gateway

Not layered on top. Integrated into the core payment flow. One platform, one integration, one vendor — identity binding happens inside authorization, not around it.

Dispute-Ready from Day One

Every transaction generates cryptographic proof. Win chargebacks with irrefutable identity evidence — 99.2% dispute win rate with verified identity records.

Defeat Fraud at Authorization

Stolen credentials fail biometric checks. AI-generated IDs don't pass forensic authentication. Fraud stops before authorization — 87% fraud reduction after implementation.

The Human, Not the Credential

Authentication shifts from card to person. Stolen credentials don't matter when you verify the right person is physically present with biometric certainty.

Zero Friction for Legitimate Customers

Verification completes in 20 seconds inside checkout. Legitimate cardholders move through without disruption. Fraud is stopped — not legitimate commerce.

Deploys in Days

REST API and web/mobile SDKs integrate into any checkout stack. No specialist hardware. No rip-and-replace. Live in your environment within a week.

Ready to stop fraud before it authorizes?

See how merchants are defending against AI-era fraud with identity-bound payments. 30 minutes, no commitment.

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