One time swipe your card at a VIVOpay at a store who also sells online to Secure the equivalent of online Card-Present Transactions for the Digital Age. Your now encrypted card is on your iPhone and Android phone Consumer Terminal Checkout app.
The Dual Crisis in eCommerce
For web Merchants: Card-not-present fees of 3.5% to 4.5% drain hundreds of thousands in profit annually
For Users: Every time they type their card number online, they risk hacking, data breaches, and identity theft
The One Time Card Swipe On A VIVOpay Solution
One swipe. One time. Complete protection.
VIVOpay delivers first-ever equivalent card-present transactions for online commerce as low as 0.05% for web merchants—while eliminating the security risks of typing card data online for B2B and Consumers to merchants
How It Works:
- One-Time Setup: Customers swipe their card once on a VIVOpay Bluetooth reader found at walk in stores who also sell online
- Secure Encryption: The Customers card is encrypted and accessed in the customers Consumer Terminal Checkout app (iOS & Android)
- Protected Identity: The first 12 digits are replaced with hashed numbers unrelated to the original card—only the last 4 digits remain authentic
- Never Type Again: All future online purchases use the encrypted card—no more entering card numbers online
Example: Your actual card might be 5432 1098 7654 3245, but your encrypted card is 9411 1154 9337 3245. The first 12 digits (941111549337) are VIVOpay one time hashed numbers with zero connection to your real card. .
The VIVOpay reader is used once, then never needed again.
Why This Is Revolutionary
Merchants Win: Massive Cost Savings
| Transaction Type | Fee Rate | Cost on $10M Annual Sales |
| Card-Not-Present (Current) | 3.5% to 4.5% | $300K-$450K |
| Online Card-Present (Encrypted) | 0.05% | $5K |
| Annual Savings | $295K-$445K |
Consumers & B2B Users Win
- Never type card numbers online again – eliminating exposure to keyloggers, phishing, and data breaches
- 16-digit card number protected from hackers – encrypted and scrambled at the hardware level
- Identity theft prevention – card data never transmitted in vulnerable formats
- Faster, safer checkout – tap to pay online without security compromise
The Impact Across Markets
Consumer eCommerce: Families shop online with confidence, knowing their financial data is secure
B2B Transactions: Businesses process high-value orders without exposing corporate card data to cyber threats
Web Merchants of All Sizes: From online small businesses to online enterprise retailers, everyone keeps more revenue while offering superior security
The Market Opportunity
- $5.5+ trillion global eCommerce market growing 10%+ annually
- Identity theft costs consumers $43 billion annually (FTC data)
- Data breaches expose millions of card numbers each year
- Every online merchant and every online shopper need this solution
The Competitive Moat
This isn’t incremental improvement—it’s a fundamental shift in how online payments work:
- Physical card reader creates true equivalent online card present authentication and is not needed again.
- One-time use eliminates ongoing vulnerability
- Encryption at source protects the entire transaction chain
- 0.05% fee structure makes adoption economically inevitable
Traditional online card-not-present systems can’t compete on cost OR security.
Why Now?
Consumers are increasingly aware of identity theft risks. Web merchants are seeking lower fees.
The Investment Opportunity
237 Country Exclusivity Model
CT Checkout LLC (California) is offering investment groups the opportunity to secure exclusive rights to online equivalent card present encrypted card technology in their country.
The Structure
- 237 internet-enabled countries = 237 exclusive territory opportunities. Check the list of available countries.
- Each country investor gains monopoly rights to deploy equivalent online card present technology in their market for their web merchants
- CT Checkout LLC partners with each country investor to develop and scale adoption
- First-mover advantage in capturing the eCommerce payment infrastructure of an entire country
Why Country Exclusivity Works:
- Protected market position: No competition from other equivalent online card present deployments in your territory
- Scalable revenue: Every online merchant in your country becomes a potential customer
- Regulatory advantage: Single partnership simplifies compliance and government relationships
- Network effects: As adoption grows, the system becomes the standard for secure online payments
Example Country Economics:
A mid-sized eCommerce country market processing $50 billion annually:
- Current card not present merchant fees (3.5% to 4.5%): $1.5B – $2.25B paid to processors
- Equivalent online card present merchant fees (0.05%): $25M
- Market opportunity: Capture a percentage of the $1.475B – $2.225B in savings merchants will seek
Even a 10% market share in years 3-5 represents substantial recurring revenue.
USA, Germany, Italy, France, Switzerland, Philippines, Singapore, United Kingdom, Japan, Puerto Rico, Australia, China, Saudi Arabia, and Austria are already reserved.
CT Checkout LLC has a joint bank account with investor at the Internet country bank of which CT Checkout LLC receives 40% and investor receives 35% and the ISO who signed up the Country web merchants such as the gaming web merchant receives 25%. All audited by the Internet country accounting firm.
Investor 35% online card present encrypted cards transactions revenue sharing Agreement
This agreement states that investor has purchased (Internet Country name) daily online audited card present encrypted cards transactions 35% revenue sharing.
Example: A $1,000 gaming bet at a 2% online card present Internet country gaming web merchant fee as compared to an online card not present 3.5% web merchant fees = $20 ($1,000 X 2% = $20)
60% of the $20 = $12 is received by the card issuers and 40% of the $20 = $8 is received by the Internet country online card present encrypted cards payments processor, who then sends 80% of their $8 = $6.40 to CT Checkout LLC and investor who have joint bank accounts at the Internet Country bank.
CT Checkout LLC then receives an audited 40% of the $6.40 = $2.56 and investor receives an audited 35% of the $6.40 = $2.24 for one online card present encrypted card transaction, which can be any amount of any type of transaction 24 hours per day on an ongoing basis. The Internet country Independent Sales Organization (ISO) who signs up the Internet country web merchants for online card present encrypted cards transactions, receives an audited 25% of the $6.40 = $1.60 for one online card present encrypted card transaction.
Next Steps
For Investors: Secure your country’s exclusive equivalent online card present rights before your market is claimed
For Web Merchants: Let’s discuss how equivalent online card present purchases can protect your customers and transform your payment economics
If you have any questions or want more details, contact Tom Hughes:
tom@consumerterminalcheckout.com
Text or Call: +1 (442) 468-6288