No More SMS/OTP
Improve your customer’s account security with a better user experience that keeps them in your app, avoiding codes sent to emails or text messages.
Reduce False Declines
Approve Transactions with a Simple Tap
Every declined transaction risks losing a customer. 95% of declined online transactions are legitimate, frustrating customers and leading them to switch to a competitor’s card. With Arculus Authenticate, banks and merchants can verify transactions instantly reducing friction, preventing fraud, and keeping your customers loyal to your brand. Enhance acquisition, retention, and spend with premium metal card experiences that build lasting customer relationships.
Verify Transactions Instantly, Reduce Customer Frustration
False declines disrupt customer experiences—whether in-store or online. Instead of forcing customers to call their bank or try another card, Arculus Authenticate enables instant, frictionless transaction approvals
- Online purchases – Instead of receiving a call or text from the bank, customers get an instant notification: "Is this you?". They simply tap their card, that’s Powered by Arculus, to their phone to approve the transaction.
- In-store payments (US use case) – Prevent location-based false declines. Secure NFC authentication lets banks confirm identity instantly, reducing unnecessary fraud blocks.
- 3DS authentication (Europe use case) – Arculus Authenticate integrates with 3D Secure (3DS), becoming the trusted authentication method for issuing banks, streamlining the checkout process.
A Smarter Way to Approve Payments
With Arculus Authenticate, customers can securely approve transactions without delays, extra steps, or frustrating declines. One Tap. Total Security.
- Banks win – Transactions are securely verified, reducing the risk of fraud or losing the customer to another issuer.
- Customers win – No more unnecessary declines, just seamless approvals.
- Merchants win – More successful checkouts, fewer abandoned carts.
Benefits of Arculus Authenticate
High-Value Transaction Validation
Validate high-value transactions with biometric authentication, PIN verification, and encrypted NFC tap-to-sign security.
Reduction in Call Center Handling Time
Instead of answering personal identification questions with your call center, customers simply open your banking app prompting them to tap to authenticate.
Reduction in False Declines
Avoid losing customer trust and revenue due to unnecessary payment rejections. Prevent them with instant, secure transaction verification.
Prevention of Account Takeovers
Remove access points from nefarious actors with hardware passkey technology built into your payment cards – Powered by Arculus
New Device Authentication
Provide an easier authentication process when customers get new phones and payment cards with a tap.
Passwordless, MFA Authentication
Eliminate passwords with tap-to-authenticate security, enabling fast, frictionless login with multi-factor authentication
Loyalty and Engagement
Enhance customer loyalty with a premium metal card that provides secure access, exclusive perks, and a seamless user experience.
Our Resources
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Blog
A seismic shift is transforming the digital security landscape, as the adoption of Fast Identity Online (FIDO) standards by leading tech giants like Apple, Google, and Microsoft marks a significant step forward in the fight against cyber threats.
Blog
In a world where data breaches and cyber threats are a daily occurrence, the shortcomings of traditional passwords have never been more evident. With 83% of organizations reporting breaches, it's clear that new approaches to authentication are needed.
Whitepaper
Beyond Passwords: How Banks and Financial Firms Can Address Customer Security with Convenience