The key expires. The link doesn't.
Your bank issues a one-time enrollment key, the merchant presents it to Mica, and Mica creates the link — bank-verified on both ends. No card number is created, stored, or shared, and the key is worthless the moment it's used.
Credential-less Enrollment
Consumer
Issuer
MerchantConsumer requests key from their bank within banking app, bank requests key from Mica
There's nothing persistent to steal — a structural difference, not a stronger lock on the same vault.
WHAT’S INCLUDED
Included with every integration — nothing extra to build
Every Mica integration includes capabilities that legacy rails sell separately — or can’t offer at all. Step-up authentication brings PIN validation to online checkout. Coupons and discounts apply in line with the transaction — nothing to clip. And digital receipts with basket-level detail of how you paid, delivered in the merchant’s or bank’s mobile app.
See how credential-less infrastructure restructures fraud exposure, transaction economics, and what is possible at the network layer during transaction authorizations.