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.
The core difference
A wallet unlocks the phone. Nulliti binds the card to the person.
With a mobile wallet, Face or finger opens the wallet, which releases a stored card. It proves you unlocked the device - not that you are the cardholder. With Nulliti, enrollment locks the card to the consumer's biometric, and every purchase re-proves that binding upstream to the issuer and the network.
Side by side
Mobile wallets vs Nulliti
Wallets stop fraud at the terminal. Nulliti turns every transaction into proof you can take to the bank.
| 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. |
Why a CFO cares
Chargebacks are where the gap shows up
Apple and Google cut fraud by hiding the card number. Nulliti goes further - it proves the genuine, bound cardholder was present. When a customer says "wasn't me," the merchant holds cryptographic evidence the real consumer authorized it. That defeats friendly fraud and shifts liability - even in ecommerce, where there is no physical card to lean on.
- Proof of the bound cardholder, not just an unlocked phone.
- Works online exactly as it does in-store.
- Any card, any device, any OS - not locked to one ecosystem.
- Additive to the wallet and processor you already run.