Automated Micro-Donations

The Problem

Payment cards face a wide range of security and cost challenges. Physical risks include card theft, counterfeit production, skimming devices, and cloned cards created from compromised data. Fraudulent terminals further expose consumers and merchants to unauthorized transactions.

Digital commerce introduces its own vulnerabilities. Card‑not‑present fraud continues to grow as online transactions expand, while card‑not‑received and false‑application fraud exploit weaknesses in identity verification and distribution processes.

Beyond fraud, the economics of card acceptance strain merchants. NFC terminals require upfront investment, and ongoing MDR fees reduce margins on every transaction. These pressures are driving interest in A2A payment alternatives, which promise lower costs, fewer intermediaries, and reduced exposure to traditional card‑based fraud vectors.

The Solution

GIVR has devised a powerful way to help eliminate card fraud and reduce MDR costs by entirely removing card usage from the front‑end while preserving full card‑rail functionality on the back‑end.

This is done by detecting POS identifiers at checkout - either through API‑based online integrations or through a shopper’s bank or mobile‑wallet app listening for Sonic POS IDs in‑store, and linking each transaction to the correct shopper bank using card on file data. Followed by a bank triggered real‑time approval prompt on the shopper’s handset and, once approved, pushing a card payment to the merchant by Visa Direct or Mastercard Send.

This approach automates the experience, neutralizes front‑end fraud vectors, and gives card networks a competitive, low‑cost method to counter A2A payment rails without sacrificing speed or convenience.