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"Consumers love the ease-of-use and the smooth experience associated with completing a transaction.

At a time when both consumers and businesses are looking for more efficient and safe ways to make credit card purchases, Netswipe promises to usher in a new era of disruption that makes online payments easier than ever before." Bringing Card Present Transactions Online Jumio developed a technology that utilizes any webcam as a credit card reader to offer consumers a quick and easy way to make purchases online.

A More Efficient Payment Technology for Merchants Business owners can implement Jumio's Netswipe service into their payment process to reduce fraud and increase sales due to a heightened user experience.

"During our pilot phase, we have conducted a customer survey with a focus group who have used Netswipe.

Jumio hopes to bring both security and convenience to the world of online payments, however, with its webcam-based Netswipe secure card reader solution.

The system replicates the point of sale (POS) transactions you experience when making in-store purchases, prompting cardholders to scan the front on their credit card, then enter their CVV code using a tamperproof mouse-controlled interface.

The double-edged sword of credit card companies being held liable for fraudulent charges (instead of the consumer) is that they are hyper-vigilant over anything that looks suspicious. It might be a very large purchase, because you usually only make small purchases.

It could be a purchase at an electronics store when you normally never charge anything from that category.

It may be many transactions in a very short period of time.

Whatever it is, it’s based mostly on your spending habits and that you stepped outside the box. If you’ve rented a car and checked into a hotel in close proximity, both the car rental company and hotel will tack on deposits to your card to make sure you pay what you end up owing.

The reasons why your credit card gets rejected for online purchases generally are technology-related, somewhere along all the pinging and ponging of signals from one computer to another. First, however, be aware that most systems are pretty attuned to online gambling and other illegal transactions at this point.

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