Use case · Fraud & Chargebacks
Turn disputes into evidence. Stop the fraud behind them.
Card-not-present fraud is the largest and fastest-growing category of card fraud in the US. Nulliti binds every payment to the real cardholder's on-device biometric - so a stolen token or a fully compromised account simply cannot transact, and the disputes that remain settle in your favor.
The problem
Tokenization stops stolen numbers. It doesn't stop the person using them.
Traditional tokenization protects the card number - but not account takeover, where the attacker logs in legitimately and transacts with valid credentials. Layering in step-up authentication reduces fraud but kills 15-30% of checkout conversions. You are forced to choose between losses and friction.
Nulliti's approach
Every token, biometrically anchored.
Bind the token
Nulliti's passkey binding makes every payment token biometrically anchored to the enrolled cardholder. A stolen token cannot transact without the real user's passkey.
Silent step-up
For high-risk transactions, Nulliti triggers 3DS silently in the background. Legitimate users experience zero added friction; attackers hit a hard wall.
Provable intent
Each approved transaction carries signed proof of cardholder intent - the evidence that turns a "he said, she said" dispute into a chargeback you win.
What this unlocks
Lower losses, higher approvals, cleaner disputes.
- Account-takeover fraud blocked at the payment layer, not just the login layer.
- Friendly-fraud chargebacks met with signed proof of consent instead of representment paperwork.
- 3DS triggered contextually - only where the risk score warrants it.
- Chargeback liability shift to the issuer on 3DS-authenticated transactions.
- A deterministic allow signal any risk engine can consume - fewer false declines.
- Complementary to the fraud scoring you already run - screen with the engine, prove with Nulliti.
Who it's for
Where the fraud P&L is largest
Large omnichannel retailers
$500M+ e-commerce GMV with material CNP and ATO exposure.
Airlines, OTAs & hospitality
High-value, high-ATO verticals where step-up kills conversion.
Marketplaces
Seller and buyer fraud on both sides of the transaction.
High fraud-cost merchants
Anyone paying $1M+ annually in fraud losses or chargeback fees.