A2A Payments That Feel Magical.

The first A2A payment bridges in 2–3 seconds. Every one after: half a second. No redirect. No OTP. No app switch.

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THE PROBLEM

Non-card payments are plagued with friction, fraud, and drop-off.

0%

Never come back

App redirect interrupts checkout, customers leave and don’t return.

0%

Abandon at OTP

OTP adds latency, cost, and risk, one in five users drops off.

Higher ATO exposure

Stored credentials invite fraud, account takeover risk multiplied.

0×

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.

Bridging delivers it.

ideem.io/demo

Watch how device-bound passkeys work

HOW IT WORKS

First transaction: 2–3 seconds. Every transaction after - half a second.

Silent Bridge

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.

Device Binding

ZSM cryptographically binds the device to the payment app using device-bound FIDO credentials. Trust is anchored to the physical device.

Silent Auth

Silent push authentication. No app switching. No OTP. No redirect. Works in native apps, embedded WebViews, and mobile browsers.

01

Silent Bridge

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

Device Binding

ZSM cryptographically binds the device to the payment app using device-bound FIDO credentials. Trust is anchored to the physical device.

03

Silent Auth

Silent push authentication. No app switching. No OTP. No redirect. Works in native apps, embedded WebViews, and mobile browsers.

WHY IDEEM

Non-card payments have never had a persistent trust layer. Bridging changes that.

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.

USE CASES

Built for the Payment Stack

Pay by Bank / RTP Platforms

Remove the redirect wall. Make your rails feel native inside every merchant checkout.

Merchant Acquiring Networks

Enable one-click A2A checkout across your merchant base. Recapture 1–1.5% margin vs. card rails.

Super App & Wallet Ecosystems

Bridge authentication between your app and partner merchant surfaces. No separate SDK required.

Ready to make payments feel magical?

Silent. Instant. Impossible to fake.

FIPS 140-3 certified · FIDO2 compliant · Works in WebViews, native apps, mobile browser, desktop.