Seamless payment authentication for every transaction, even the first.
THE PROBLEM
App redirect interrupts checkout, customers leave and don’t return.
Source: Tink
OTP adds latency, cost, and risk, one in five users drops off.
Source: Ravelin
Stored credentials invite fraud, account takeover risk multiplied.
Source: FRABC8
User opens checkout
→
Redirected to bank app
→
OTP sent
→
Returns… maybe
The typical A2A payment journey today
Non-card payments need an Apple Pay moment.
HOW IT WORKS
01
When a consumer selects Pay by Bank for the first time, Ideem silently bridges the merchant app and payment app using ZSM device binding. No redirect. No user interaction. The binding happens during the payment not as a separate step.
02
ZSM cryptographically binds the device to the payment app using device-bound FIDO credentials. Trust is anchored to the physical device.
03
Silent push authentication. No app switching. No OTP. No redirect. Works in native apps, embedded WebViews, and mobile browsers.
Pay by Bank
→
Silent Bridge
→
Device Bound
→
Done — 0.5s
The Ideem Bridging journey — no redirects, no OTPs
USE CASES
Remove the redirect wall. Make your rails feel native inside every merchant checkout.
Enable one-click A2A checkout across your merchant base. Recapture 1–1.5% margin vs. card rails.
Bridge authentication between your app and partner merchant surfaces. No separate SDK required.
WHY IDEEM
Bridge on the first transaction — recover the 15–20% lost to redirects and OTPs
Bind the device cryptographically — eliminate credential-on-file fraud
Authenticate silently per transaction — half a second, zero friction, full audit trail
Step up with Passkeys+ when needed — one SDK, one API call
For the first time, non-card payments can deliver an Apple Pay experience without the card network.
Silent. Instant. Impossible to fake.
FIPS 140-3 certified · FIDO2 compliant · Works in WebViews, native apps, mobile browser, desktop
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