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  Payment PassCode

With Payment, banks will be able to expand their reach to any merchant without changing the backbone of their currently deployed infrastructure. Some immediate advantages for banks:

Ensuring a card present transaction with the added transaction security of a specific phone number being linked to a card
Creating an anywhere, anytime payment solution to drive significant transactions through issued credit/debit cards
Enormous cost savings in incremental acquisition of smaller merchants, since expensive POS infrastructure is not required
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