Human identity verification for payments
PaymentCheckpoint confirms that the genuine cardholder is present and authorising a payment — using their live location and a short identity photo — before a bank or payment provider releases the funds. It is the human-verification step that card networks and issuers rely on to stop fraudulent settlement and chargebacks.
How verification works
When a payment is flagged for confirmation, the bank or merchant sends the cardholder a one-time reference link. PaymentCheckpoint then confirms that the real person is present before the payment is cleared to settle.
The bank or merchant sends a single-use verification link tied to the transaction reference to the cardholder.
The cardholder opens the link and confirms they are present by sharing their live location and taking a short identity photo — a liveness and selfie check that proves a real person, not a stolen card, is authorising the payment.
A pass, review or decline result is returned to the bank or merchant. Only passed transactions are released for settlement.
Security
Every checkpoint runs over an encrypted, single-use session. Card data is never stored on the gateway; the live location and identity photo are used only to reach a verification result, held under strict retention limits, and never shared for advertising.
Compliance
PaymentCheckpoint operates under EU payment-services regulation as a Strong Customer Authentication provider, and is assessed annually against the standards below.
Company
PaymentCheckpoint Services Ltd is an independent verification provider used by banks, card issuers, acquirers and payment processors across Europe. We do not issue cards or move money ourselves — we provide the human-identity step that lets our partners release payments with confidence. Our teams operate from London and Frankfurt.
Partnerships and careers: [email protected].
Banks, acquirers, PSPs and merchants can request gateway access, sandbox credentials and the verification API reference from our onboarding desk.
Contact the onboarding deskGateway status
Live status of the verification gateway and its regional endpoints. This page refreshes automatically; there are no open incidents.
Legal
A summary of the terms that govern use of the PaymentCheckpoint gateway. Full documents are available to partners under contract and to individuals on request.
The gateway is provided to banks, payment providers and their customers for the sole purpose of verifying payment authorisation. Access is by issued reference link or contracted API credentials only. The service is provided on an "as available" basis with the availability commitments set out in each partner agreement.
During a verification we process the transaction reference, the device's live location and a short identity photo. This data is used only to return a verification result to the requesting bank or merchant, is retained under strict time limits, is stored on servers in the EU under GDPR, and is never sold or used for advertising.
The gateway sets only the strictly necessary cookies required to run a secure verification session. No third-party advertising or cross-site tracking cookies are used.
As a regulated verification provider we support our partners' anti-money-laundering and know-your-customer obligations, and cooperate with lawful requests from competent authorities under applicable EU and UK law.
Verification links may be used only by the intended cardholder for the transaction they were issued for. Attempting to start, reuse or automate checkpoints outside an issued link is prohibited and monitored.