This Startup Fixed The Credit Card | Startup Of The Month

final credit card big

Target, Home Depot, Staples. Every retailer appears to be susceptible to credit card breaches these days, which is why this month’s startup offers a particularly useful, insightful product.

October’s Startup Of The Month is Final, short for ‘your final credit card’. Rather than assigning you a single static credit card number, Final gives a different credit card number to each place you buy something. That way, if hackers capture credit cards from Home Depot, or Target, you’re protected, and can cancel those cards with just a few taps in their mobile app, without having to wait for a new card.

Their (pretty awesome) explainer video

Even better, you can assign certain numbers to be “single-use”, meaning that it can only be used once. With this, you don’t have to worry about giving your credit card number to seedy operations. They can use your card one time, and one time only. Plus, if they detect fraud, they can freeze a card number without affecting your day-to-day use of the card.final fraud protection app


Solutions to payment security are nothing new. Apple’s ApplePay service, which launched last week, allows customers to pay for things using their iPhone, without transferring any confidential information. Still, Final is one of the most clever solutions I’ve come across, which is why I feel they’re deserving of our “Startup Of The Month” Award.

When Is Final Available

Final will work both online, and offline with a physical card, and will launch to a small group of users in early 2015. Don’t miss our new ebook on 3D printing by the way.

Michael Sitver

Michael Sitver is a technology insider who has been blogging about technology since 2011. Along the way, he's interviewed founders of innovative startups, and executives from fortune 500 companies, and he's tried dozens or hundreds of gadgets. Michael has also contributed to works featured in Newsday, The San Francisco Chronicle, and the associated press. Michael also occasionally consults, and writes for Seeking Alpha and Yahoo News.

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3 Responses

  1. October 25

    […] by geekymike [link] […]

  2. October 27

    […] This Startup Fixed The Credit Card – The App Store Chronicle http://appstorechronicle.com/Final, our October startup of the month, adapted the credit car to the 21st century. Here's why Final's credit cards are so much better. […]

  3. October 28

    […] As it stands, when you go to an Apple-Pay compatible store, you simply give your fingerprint to authorize a payment. It’s a quick, painless process that probably saves you around 30-40 seconds, and doesn’t even require locking your phone. You can pay with nearly any credit card, and earn all of the bonus points that your particular card provides. Since all data is transferred over NFC, rather than cellular, it’s quick and efficient. Even more importantly, secure data never reaches the retailer. Thanks to Target and Home Depot, big chains have become synonymous with loose lips. Many consumers have lost faith in retailers to keep their data safe. These security scares have led to a rash of new security products that consumers are really embracing. […]

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