Burbank Software

- Burbank vs risk engines (Stripe/Checkout.com): Burbank’s thesis is that card-present-style proof (physical card + PIN) can reduce reliance on risk engines and lower false declines. In contrast, fraud platforms such as Stripe Radar and Checkout.com focus on machine learning and rules to identify and block fraud while limiting false positives. - Liability shift: Documentation from established PSPs notes that when 3DS authenticates a payment, fraud-dispute liability typically shifts to the issuer under certain conditions. Burbank asserts that CPoI can enable liability shift through card-present-style authentication; buyers should compare how often liability shift is actually achieved across their issuer mix and which operational steps are required. - Situations where alternatives may be preferable: - Organizations requiring fast time-to-market and broad payment-method coverage may find established PSP stacks easier to deploy. - When customer preference strongly favors wallets (Apple Pay/Google Pay), wallet adoption may provide a simpler UX and higher conversion than a tap-card-to-phone flow.