How We Compare

Nulliti is most often mistaken for three things it is not: a mobile wallet, a tokenization service, or a fraud risk engine. Each of them sits alongside Nulliti in the stack rather than in its place. Switch between them below.

Mobile Wallets compared with Nulliti
Dimension	Mobile WalletsApple Pay / Google Pay	NullitiBiometric-bound proof layer
What it secures	The card number. A device credential stands in for the real card at the terminal.	The authorization itself. Nulliti binds the card to the person and proves it on every transaction.
What it proves at the point of payment	That the phone was unlocked. Not that the person holding it is the cardholder.	That the cardholder bound to that card approved this specific transaction.
Friendly fraud	Not addressed. The genuine cardholder unlocks the phone, buys, and then disputes.	Addressed at the root. Signed proof of consent is the evidence that ends "he said, she said" disputes.
What survives after authorization	A transaction record with no cardholder identity attached to it.	A signed, timestamped record that carries into the dispute, into representment, and into audit.
Where it works	Inside one ecosystem, on supported devices.	Any card, any device, any OS. One enrollment covers every merchant in the Nulliti network.

Additive to the wallet and processor you already run.

Tokenization compared with Nulliti
Dimension	TokenizationProtects the card number	NullitiBiometric-bound proof layer
What it secures	The card number. The PAN is replaced by a token, so card data never lives in the merchant environment.	The authorization itself. Nulliti binds the card to the person and proves it on every transaction.
What it proves at the point of payment	That a card was used. Not that the cardholder consented.	That the cardholder bound to that card approved this specific transaction.
Friendly fraud	Not addressed. A token confirms the credential, not the intent behind it.	Addressed at the root. Signed proof of consent is the evidence that ends "he said, she said" disputes.
What survives after authorization	A token reference. Nothing about who authorized the payment.	A signed, timestamped record that carries into the dispute, into representment, and into audit.
Where it works	Wherever your token provider reaches.	Any card, any device, any OS. One enrollment covers every merchant in the Nulliti network.

Better together.

Risk Engines compared with Nulliti
Dimension	Risk EnginesFraud scoring and screening	NullitiBiometric-bound proof layer
What it secures	Nothing. It scores the transaction and returns accept, challenge, or decline.	The authorization itself. Nulliti binds the card to the person and proves it on every transaction.
What it proves at the point of payment	A probability, inferred from device, velocity, and network signals.	That the cardholder bound to that card approved this specific transaction.
Friendly fraud	Invisible by design. The real cardholder passes screening, then disputes the charge.	Addressed at the root. Signed proof of consent is the evidence that ends "he said, she said" disputes.
What survives after authorization	Nothing. The score disappears the moment the transaction clears.	A signed, timestamped record that carries into the dispute, into representment, and into audit.
Where it works	At authorization, wherever the engine is deployed.	Any card, any device, any OS. One enrollment covers every merchant in the Nulliti network.

Screen with the engine. Prove with Nulliti.

Read the full mobile wallets comparison →

A phone being tapped on a contactless terminal

Nulliti vs Mobile Wallets

Same tap. Very different proof.

Apple Pay and Google Pay both hide the real card number - and so does Nulliti. The difference is what the biometric actually does. A wallet unlocks the phone. Nulliti binds the card to the person and proves it on every transaction.

Tokenization protects the number. Nulliti proves the person.

These are not competitors. Tokenization keeps the card number out of harm's way. Nulliti attaches cryptographic proof that the real cardholder authorized the charge. One secures the credential; the other secures the intent. Run both.

Screening guesses. Proof knows.

Fraud scoring models infer the odds of fraud from device, velocity, and network signals, and return a probability - accept, challenge, or decline. That number is useful, and it disappears the moment the transaction clears. Nulliti produces something different: a signed record of who approved the payment, which survives into the dispute.