Preventing fraud with the tap of a card
Payment fraud is on the rise and costing consumers billions in losses each year making authentication technology more crucial than ever. AirKey uses near field communication (NFC) technology to turn a financial institution’s card into a hardware authenticator.AirKey authenticates customers across a variety of use cases with the tap of a card to a smartphone.AirKey at a glance
8+years in development
75M+cards in market
5+years in the market
300+US patents
Authenticate customers with just a tap
AirKey has provided innovative authentication to over 75 million AirKey-enabled cards in the last four years.ONBOARDINGACCOUNT MANAGEMENTTRANSACTIONSUNLOCKING CARD
Seamless activation
Customers can tap their AirKey-enabled card to their smartphone to easily activate their card.Protect online credentials
With one tap, customers can use AirKey to authenticate when accessing their online accounts.Authenticate various use cases
Customers can use AirKey to authenticate a variety of transaction use cases with the convenience of a card that's already in their wallets.Solve authentication issues
Customers can use AirKey to authenticate when SMS access is not available, which can be helpful when traveling overseas or with authorized users looking to authenticate transactions.
Business benefits of AirKey
Boosts mobile enrollment
There has been a significant lift in mobile enrollment when AirKey is offered.
Enables self-service
One tap authentication with AirKey reduces the need for customers to contact customer service.
Enhances experience for high-value customers
One tap is easy for customers who need to authenticate high-value transactions, Peer-to-Peer (P2P) payments, or wire transfers.
Utilizes existing processes
AirKey leverages pre-existing card manufacturing and verification processes.
What are people saying about AirKey?
“I activated my card with the ‘tap to my phone’ feature. I don't think it could be any easier than that.”
Patrick C.
Customer
FAQ
Do you have questions about AirKey? We’ve got the answers. Find a list of the most common questions below.
AirKey is a Capital One proprietary payment fraud prevention technology that turns a financial institution's credit or debit card into a hardware authenticator.
AirKey uses NFC technology to enable a credit or debit card to communicate with a smartphone. An applet is embedded into the secure element of a card, creating a cryptogram which is validated upon tapping to a smartphone. A unique identifier is tied to each customer at the time of manufacturing, helping ensure the card only works for the intended customer. AirKey works on iOS & Android operating systems, and customers don’t need to download an additional application to use AirKey.
AirKey can work with NFC-enabled mobile devices on both iOS and Android operating systems.
No. AirKey only requires an AirKey-enabled credit or debit card (identifiable by the AirKey key mark) and an NFC-capable smartphone.
The use of a separate applet with AirKey technology ensures that payment functionality leveraging the EMV chip will not be impacted by authentication and vice versa.
AirKey is an authentication method that can protect customers wherever authentication is needed. Customers can tap their AirKey-enabled card to their smartphone on record to help verify that they’re in possession of their card.
Yes. Customers can activate their AirKey-enabled card with a simple tap to the bank’s mobile app.
Yes. AirKey can be used as part of the customer's login for their banking mobile app.
Yes. AirKey can be used to provision cards into Apple Pay, Google Pay™, PayPal, or Samsung Pay®.
Customers can tap their AirKey-enabled card to their smartphone to activate their card or authenticate, reducing the need to call in.
AirKey has enabled significant lifts in mobile enrollment completion when offered as an authentication method.
If a customer loses their AirKey-enabled bank card, the customer would simply call their bank and cancel it like any regular credit or debit card.
Interested in learning more about AirKey?
Contact us today to learn more about AirKey.