OtherPay’s patented DUO Card is at the core of its fraud-prevention platform. The DUO card is a next-generation payment card that works only when activated by the legitimate user via their mobile device.

In practice, this means the card’s critical security data (such as PIN or CVV code) changes with every transaction, and the card can be toggled “on” or “off” by the owner in real time. If a fraudster steals the card or its details, it remains unusable – even if they somehow guess the old PIN or code.

This technology ensures “the physical card and legitimate consumer is always present for each and every transaction”, effectively closing the door on CNP fraud. Importantly, the DUO card integrates seamlessly with standard banking and payment systems, so from a cardholder’s perspective it works like any normal bank-issued card – just far more secure.

The result is a frictionless user experience that dramatically increases security without complicating how people shop online or in-store.