Protecting QR Code Contactless Payments

Contactless Payments
  • Remove friction and increase conversions

    Remove friction and increase conversions

    Trust Incognia's location behavioral biometrics to remove friction and increase in-store, remote and P2P conversions.

  • Reduce false positives

    Recognize trusted customers and reduce false positives

    Use real-time location data to recognize trusted customers, increase conversions and reduce false positives.

  • Reduce fraud losses

    Reduce fraud losses and chargeback fees

    Incognia's location intelligence cuts fraud losses from ATO attempts, fake accounts and fake QR codes.

Contactless and Frictionless 

Consumers need a fast and convenient payment experience and companies need increased conversions and reduced fraud rates.

Meet Incognia’s frictionless QR code solution that uses location intelligence to recognize trusted users for friction-free QR code payments, and detects fake accounts, fake QR codes, and account takeover.

Incognia location behavioral biometrics checks, in real time, whether a user is transacting from a trusted location (based on their historical behavior) and if scanned QR codes are indeed linked to specific merchant locations.

Read solution brief

Protecting the user journey

In order to prevent fraudulent QR code transactions, Incognia secures key moments in the user journey, including onboarding, login and transactions. Learn how it works.

  • Onboarding verification

    To prevent fake accounts, Incognia protects the onboarding process by matching the home address provided by the user to their real world location behavior.

  • Login authentication

    To detect ATO attempts and prevent future damage, Incognia checks whether the user is logging in at a trusted location, based on their historial behavior.

  • QR transaction verification

    To secure the payment and prevent fraudulent transactions, Incognia checks the user’s current and historical location, as well as the location of the store.

In-store QR Verification

In-store QR Verification

  • 01

    The user logs in to the app and Incognia checks if that is a trusted location for the user and delivers a confidence rating.

  • 02

    The user scans the QR code and Incognia checks if that QR-code is indeed linked to that specific store, preventing unintended payments.

  • 03

    The user payment is authorized with no further authentication required and the customer's transaction goes through with no friction.

Remote QR Verification

Remote QR Verification

  • 01

    The user logs in to the app and Incognia checks if that is a trusted location for the user and delivers a confidence rating. 

  • 02

    The user scans the QR code and the payment is authorized. All in the background, adding no friction to the customer.

P2P QR Verification

P2P QR Verification

  • 01

    Both users log in to the app and Incognia checks if each user is at a trusted location and then delivers a confidence rating. 

  • 02

    User 1 scans the QR code of user 2 and Incognia verifies if they are both at the same location and provides a risk score of potential fraudulent activity.

  • 03

    The payment is authorized based on the payment processors risk assessment. For low risk transactions no further authentication is required and the customer's transaction goes through.

Get started quickly

Incognia is designed to be easy to implement and deliver results quickly. Our mobile SDK takes less than 30 minutes to install in your mobile app.

  • Device integrity API

    Device integrity API

    Validate the integrity of the location data provided by a device to ensure reliability.

    Learn more
  • Trusted location API

    Trusted location API

    Understand if a user is logging in or transacting from a location they have visited before.

    Learn more
  • Address verification API

    Address verification API

    Identify customers instantly by matching a provided address to their location behavior.

    Learn more

Ready to protect contactless payments?

Contact us