EVC provides proof of
human intent
Establish human authorization to agentic AI shopping transactions
Prevent more false declines for issuers
Virtually eliminate chargebacks for merchants
EVC PROVIDES PROOF OF HUMAN INTENT
Establish human authorization to agentic AI shopping transactions
Prevent more false declines for issuers
Virtually eliminate chargebacks for merchants
HOW IT WORKS
EVC-Ready payment processors prompt cardholders to provide the dynamic security code on their physical/virtual cards for agentic shopping.
1
Cardholders provide the current EVC which establishes human intent for these AI-driven transactions.
2
The payment processor approves the dynamic CVV/CVC, completing the agentic AI purchase with the cardholder, issuer, and merchant all assured it was human-approved.
3
Proof of Human Intent (PHI)
As agentic AI begins transacting on behalf of consumers, the payments ecosystem faces a new question: how does anyone know a real person actually authorized the purchase? Without a verifiable signal of human intent, issuers, merchants, and cardholders are exposed to risks that move faster than fraud systems can catch.
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EVC's Proof of Human Intent closes this gap. By generating a dynamic, single-use credential the moment a human approves an action, EVC ties every agent-initiated transaction to a deliberate, verifiable human decision — giving cardholders, issuers, and merchants confidence that a person, not just a program, gave the green light.
Frictionless Verification
Fully on EMV-Rails
Zero Lift from Merchants
Compatible with existing servers (HSMs)
EVC prevents fraud across every channel
The EVC One Platform extends our premiere dynamic CVV solution across physical, digital, and agentic experiences, giving issuers the flexibility to deliver security exactly how their customers need it.
The EVC advantage is remaining fully on EMV-rails and in-transaction, ensuring that enhanced security never interrupts the checkout experience. It eliminates the operational cost and complexity of managing fragmented, "stacked" fraud tools.