Card not present verification
accuracy — deterministic answer
monthly GMV processed
of Brazilian cards covered via 25+ integrated issuers
Every payment moment. One definitive answer.
Card Not Present Verification brings together identity, liveness, card ownership, and behavioral intelligence into a single decision — YES or INCONCLUSIVE. No scores to interpret. No thresholds to configure. No ambiguity.
Card onboarding
Step two:
When a card enters your ecosystem. Confirm the cardholder's identity and ownership before the first transaction ever happens.
Age verification
Step two:
When a purchase is authorized. Verify that the person paying is the rightful cardholder — silently when trust is established, biometrically when the risk demands it.
Behind the seamless experience.
Identity & Liveness
Confirms the user is who they claim to be and is physically present. Powered by the largest IDTech in LATAM — 9 out of 10 Brazilians known. Proprietary liveness technology blocks deepfakes with zero false acceptance.
Card Ownership
Verifies whether the card belongs to the user or to someone else. Connected to a network of 25+ integrated issuers covering 85% of cards issued in Brazil. Also supports authorized third-party card usage — so you don't lose legitimate transactions.
Behavioral Intelligence
Silent mode analyzes device metadata, behavioral signals, and transaction history to approve returning users with zero friction. No selfie required for trusted transactions.
Chargeback Defense & Shared Liability
Partnership with issuers to prevent disputes from even being opened when a transaction is verified by IDPay. And if the verification fails, liability is shifted to Unico according to contract.
Results across Unico's platform.
overall approval rate
frictionless validations
drop-off reduction
faster than biometric-only flows
Trusted by 400+ companies across 25+ countries.
Explore more.
Smart revalidation
Adaptive re-authentication throughout the user lifecycle, from silent to biometric.
Step-up authentication
The same 1:N biometric engine, applied at the moment of transaction.
Onboarding
Full identity verification with document capture for regulated sign-up flows.
Ready to secure your growth?
Want to know more?
Unico is the only identity network that replaces uncertainty with conviction, friction with seamless journeys, and risk with partnership.