For Merchants
Win the disputes you keep losing.
Nulliti attaches signed, biometric-bound proof of cardholder consent to every transaction - so you hold signed proof of consent when a friendly-fraud chargeback lands, dispute costs fall, and more good orders get approved. It sits on top of the processor and gateway you already run.
What changes
Proof, not representment
Friendly fraud - a real cardholder disputing a purchase they made - accounts for roughly 75% of all chargebacks. The card network can confirm a payment was authorized; it can't prove who authorized it. Nulliti closes that gap with a cryptographic record of intent - the evidence that ends "he said, she said" disputes.
Friendly-fraud chargebacks defeated
Signed proof of consent closes disputes without representment back-and-forth.
Lower fraud and dispute cost
Fewer chargeback fees, reserves, and manual dispute-handling overhead.
Higher authorization rates
A verified cardholder lifts issuer confidence and approval rates.
PCI scope reduced
Card data never touches merchant systems - the breach surface shrinks.
Higher conversion and retention
Frictionless one-tap returning checkout keeps customers coming back.
Stolen tokens are inert
A leaked token is useless to anyone but the bound cardholder.
One credential, every lane
Additive to the stack you already run
Nulliti is a thin proof layer, not a rip-and-replace. Enroll the cardholder once and the same credential proves intent across in-store and online - protecting revenue you would otherwise write off.
- One proof, both lanes - works in-store (CP) and online (CNP) with the same credential.
- Ready for agentic commerce - accept credentialed AI-agent purchases tied to a real, enrolled human.