Tap-to-Authenticate
Customers simply tap their Arculus-enabled premium metal card to their phone to approve large purchases.
Validate High-Value Transactions
Keep Your Customers Happy and Secure
Fraudsters target large transactions for maximum payouts, contributing to $3.1 trillion in illicit financial activity in 2023. But blocking legitimate high-value payments isn’t the solution—it frustrates customers and costs businesses and financial institutions revenue.
With Arculus Authenticate, banks and issuers can validate large transactions in real time, preventing fraud without unnecessary payment disruptions. Institutions can set security thresholds, or let customers define their own authentication triggers.
Instant Transaction Validation, No More Guesswork
High-value transactions shouldn’t be blocked without an easy way to verify it. With Arculus Authenticate, banks can instantly validate transactions, preventing fraud while keeping the process frictionless for customers. The result: less fraud, less frustration, and more revenue.
Multi-Factor Authentication (MFA)
Securely validates transactions using biometric verification and PIN.
Faster Approvals
No more long phone calls or manual fraud reviews. Transactions get approved in seconds.
Flexible Security Controls
What defines a high-value transaction? With Arculus Authenticate, institutions can:
- Set institution-wide security thresholds – Ensure high-value transactions trigger additional verification based on risk policies.
- Let customers define their own limits – Users can set authentication triggers for large purchases, giving them greater control and peace of mind.
- Balance security and convenience – Fraud risk is reduced without frustrating legitimate customers.
Work Smarter, Not Harder.
Scenario: Imagine a customer tries to buy a luxury watch, but their card is declined due to fraud concerns. Instead of calling their bank or switching to another card, they receive a secure tap-to-authenticate prompt on their phone. One tap, and the payment goes through—no frustration, no lost revenue. Total security.
Banks Win
Reduced fraud risk while maintaining a seamless experience.
Customers Win
Transactions are approved securely without hassle.
Merchants Win
High-value purchases go through without unnecessary declines.
Benefits of Arculus Authenticate
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.
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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Whitepaper
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