Unico IDPay by Unico is a platform designed to validate customer identity and credit card ownership at the time of purchase, ensuring security and reducing fraud. It uses facial biometrics for online identity authentication based on facial features. The process involves capturing the user's facial image, extracting features, and creating a biometric identity, which is stored in a secure database to verify the person's identity. Unico IDPay integrates with financial institutions to confirm if the CPF with the authenticated face making the transaction is indeed the cardholder. In the case of using a third-party card, it also verifies if that person recognizes and approves the transaction. The solution connects to banks and issuers to validate the ownership of the card used for the purchase. Upon completion, a proof set containing identity verification and card ownership is automatically generated, with no manual analysis and no friction with analysis teams. Unico IDPay ensures more approvals with zero chargebacks due to fraud, providing security that guarantees more sales and zero fraud. It accelerates transaction approval flows with a solution that certifies customers and their credit cards in real time. The platform also includes identity authentication with liveness proof, verifying that the person is present in real-time during the authentication process at the time of purchase.
