Sign2Pay offers a mobile-first debit payment authentication system that captures and analyzes real-time signature dynamics (speed, strokes, touchpoints) on smartphones and tablets to replace bank-issued hardware authenticators. The service targets the fragmented European debit market and initially supports Euro-denominated bank accounts, with some 3,700 European banks available at launch via commercial banking partners. Users register by entering bank details and signing three times; thereafter a single digital signature authorizes payments. The company charges merchants a per-transaction fee (around 2.5% + €0.25), positioning itself cheaper than PayPal and card acquirers but slightly above local debit schemes. Sign2Pay includes an eight-week refund right for consumers and performs risk assessment at signup using device, location and transaction signals to limit fraud. The core technology is hardware-agnostic (requiring sufficiently modern devices and networks) and the team sees potential to license the real-time signature tech as a broader biometric/password-replacement solution.

Total raised

$1M

Funding rounds

1

Latest round

Equity

Latest activity

Oct 2014