Fraud doesn’t start at payment. It starts with identity.
PCI Pal’s Customer Authentication solution enables contact centers to securely verify who they are speaking with before sensitive actions or payments take place.
- Pre-Payment Customer Authentication
Verify caller identity before payment is taken to reduce downstream fraud risk and agent uncertainty. - Account Changes & High-Risk Requests
Authenticate customers before allowing profile updates, beneficiary changes, or sensitive account modifications — common precursors to account takeovers and identity fraud. - Repeat Caller Authentication
Replace 90+ seconds of manual KBA with streamlined passkey authentication, improving both efficiency and customer satisfaction.
How it works
After a one-time registration, customers can be authenticated in seconds.
Customer authentication is triggered
Via a secure link & customers verify using their registered passkey through either an assisted or automated journey.
Engagement details
in real-time
Agents receive clear & instant success/failure confirmation.
Analyze
& audit
Using average completion time measurement, comprehensive event logging and more.
Modern, passwordless customer authentication
PCI Pal Customer Authentication replaces outdated knowledge-based authentication (KBA) with secure, passwordless verification using passkey technology.
Agents can trigger authentication during live interactions, sending a secure link to the customer. The customer verifies their identity using their registered passkey, and the agent receives clear, real-time confirmation before proceeding with sensitive requests or payments.
No static questions.
No guesswork.
No reliance on agent intuition.
Just cryptographically secure, phishing-resistant authentication that establishes trust at the start of every interaction.
Why customer authentication matters
Reduce fraud and account takeover risk
By validating identity upfront, organizations can prevent impersonation attempts before they escalate into financial loss. Passkey authentication is resistant to phishing, social engineering, and voice deepfake manipulation, strengthening your first line of defense.
Lower costs and improve efficiency
Manual verification increases average handle time and operational burden. Customer Authentication not only reduces repetitive questioning and minimizes agent cognitive load, it provides instant success/failure outcomes streamlining high-risk interactions.
Deliver seamless customer experiences
Today’s customers are accustomed to passwordless, biometric login experiences. Customer authentication allows you to eliminate repetitive security questions, enable faster progression to resolution and build trust from the first moment of interaction.
Get in touch with us
Unlike standalone authentication tools, PCI Pal Customer Authentication integrates directly within the Secure Engagements platform — connecting identity verification, fraud insight, and secure payments within a single, unified ecosystem.
With PCI Pal you can protect your customers before sensitive actions take place, reduce fraud risk, and deliver modern, passwordless experiences; all from one trusted and secure platform.
Get in touch to find out how PCI Pal Customer Authentication can transform your contact center.
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