Who will you trust?

Allow to protect your online business from identity theft, phishing, stolen passwords and data breaches. With Toffs Multi-Factor Authentication, you do not have to worry if it is a fraudster or imposter anymore.

Multi-factor verification is a method of challenge authentication that requires more than one verification method and adds a critical second layer of security to user sign-ins and transactions. It works by requiring any two or more of the following verification methods:

  • Something you know (typically a password).
  • Something you have (a trusted device that is not easily duplicated, like a phone).
  • Something you are (biometrics).


We combine business metrics with multi factor authentication challenges, our customers are able to reduce friction and lower the need for additional challenge questions.

  • Identify patterns that indicate fraud.
  • Establish fraud risk and the need for further transaction review based on suspicious behavior and inconsistent data elements. Device anomalies can help you accurately separate the fraudsters from your good customers.
  • Transactions from TOR.
  • Geolocation and IP address mismatches.
  • High-risk locations, IPs, and ISPs.
  • Time zone mismatches.
  • Proxy use.
  • Velocity risks like multiple new devices per account.
  • Shipping and billing address mismatches.
  • Jailbroken or rooted mobile devices.