Security for Every Card.Confidence for EveryTransaction.
MFSS is being developed around a focused vision: creating a stronger protective boundary between unauthorized users and the credit and debit cards consumers depend on every day.
of U.S. adults had at least one credit card in 2025
Source: Federal Reserve, Economic Well-Being of U.S. Households in 2025
2 in 3
consumer payments were made using credit or debit cards
Source: Federal Reserve Financial Services, 2026 Diary of Consumer Payment Choice
16%
of U.S. adults reported experiencing credit-card fraud during 2025
Source: Federal Reserve, Economic Well-Being of U.S. Households in 2025
$15.9B
in reported U.S. consumer fraud losses during 2025
Includes all fraud categories, not credit-card fraud alone.
Source: Federal Trade Commission, Consumer Sentinel data for 2025
Statistics provide general national context and do not represent MFSS customer results, service performance, prevented losses, or guaranteed outcomes.
The Origin of MFSS
It Began With a Personal Experience.
"Having experienced unauthorized charges and theft from both my debit card and credit card, I brainstormed for months on a method to protect myself from further financial losses and unauthorized charges.
Over the next few months, I researched the methods criminals use to commit fraud with credit and debit cards. I read about their tactics, equipment, and even the main locations they utilize for committing fraud.
That experience became the foundation for Maximum Financial Security Services."
Duane HarrisFounder, Maximum Financial Security Services
Card-related fraud may involve card-not-present transactions, compromised credentials, physical skimming, account takeovers, phishing, synthetic identities, and unauthorized use of stolen card information.
01
61.3 Million
Americans Estimated to Have Experienced Fraudulent Card Charges
A 2026 cardholder survey estimated that approximately 61.3 million Americans experienced fraudulent charges on a credit or debit card during the preceding year.
Source: Security.org cardholder survey, 2026
02
51%
Experienced Suspicious Transactions More Than Once
Among surveyed cardholders, 51% reported experiencing suspicious card transactions two or more times.
Survey finding. This is not a percentage of the entire U.S. population.
Source: Security.org cardholder survey, 2026
03
503,450
Credit-Card Identity-Theft Reports Through Q3 2025
There were 503,450 credit-card fraud identity-theft reports during the first three quarters of 2025, representing a 54% increase compared with the same period in 2024.
Covers Q1–Q3 2025 only. This is not a complete full-year 2025 total.
Source: Federal Trade Commission IdentityTheft.gov data, as compiled from Q1–Q3 2025 reports
04
3 Million
Consumer Fraud Reports During 2025
The Federal Trade Commission received approximately three million fraud reports during 2025, involving $15.9 billion in reported losses across all fraud categories.
Source: Federal Trade Commission, 2025 Consumer Sentinel data
The founder's vision is to create a stronger protective boundary between the point of sale and the client's credit or debit card while preserving the client's access to their own finances.
STAGE 01
Point of Sale
The location or environment where a card transaction begins.
STAGE 02
Protective Boundary
The proposed MFSS service concept is built around placing an additional protective layer within the transaction journey.
STAGE 03
Verification
Authorized activity continues through the intended protected path.
STAGE 04
Client Access
The client maintains full use and access to their own credit and debit card finances.
STAGE 01
Point of Sale
The location or environment where a card transaction begins.
STAGE 02
Protective Boundary
The proposed MFSS service concept is built around placing an additional protective layer within the transaction journey.
STAGE 03
Verification
Authorized activity continues through the intended protected path.
STAGE 04
Client Access
The client maintains full use and access to their own credit and debit card finances.
"My vision for MFSS will put a granite wall between the point of sale and clients' credit and debit cards."
Founder's conceptual vision
The animation is a conceptual representation. Final service operation and technical specifications remain under development. It does not demonstrate an existing operational product.
Built for the People Using the Cards
Designed Around Real Cardholders
Everyday Consumers
People who regularly use credit cards and debit cards for shopping, bills, subscriptions, travel, and daily expenses.
Families and Households
Households interested in improving awareness and confidence around shared financial card use.
Digital-First Card Users
Consumers who frequently make remote, mobile, online, or card-not-present payments.
MFSS is intended for these consumer groups. The developing service is being created with these cardholders in mind and does not represent current customer relationships.
Consumer Education
Awareness Is Part of the Protection
Alongside its developing services, MFSS intends to provide clear, responsible information that helps cardholders understand their own role in day-to-day card security.
Review Card Activity
Regularly review statements and enable transaction alerts when available.
Protect Physical Cards
Keep cards secure and remain aware of unfamiliar equipment attached to payment terminals.
Consider Optional RFID Protection
Consumers concerned about contactless scanning may consider an RFID-blocking wallet or individual card sleeve.
Use Secure Account Practices
Use unique passwords, multifactor authentication, and official financial-institution applications.
General consumer information only. This content is not legal, financial, or security advice, and specific rights and responsibilities vary by card agreement and applicable law.
Financial security should feel clear. Not confusing. Not alarmist. Not impossible to understand.
01
Clarity Before Complexity
Explain security concepts in direct, understandable language.
02
Responsible Communication
Avoid exaggerated claims, guarantees, or fear-based messaging.
03
Consumer-Centered Thinking
Build the experience around the people who use financial cards every day.
04
Focused Purpose
Maintain a specialized focus on credit and debit card security.
Investor Interest
A Focused Business in a Large and Essential Payment Market
Card payments account for roughly two out of every three U.S. consumer payments. MFSS is being developed around a specialized consumer need within this extensive and continually evolving payment environment.
2 in 3
U.S. consumer payments made with credit or debit cards
Source: Federal Reserve, 2026 Diary of Consumer Payment Choice
Presented as general market context only. This must not be interpreted as projected MFSS market share, revenue, valuation, or financial performance.
THEME 01
Large Payment Environment
A substantial volume of U.S. payments continues to move through card-based systems.
THEME 02
Specialized Positioning
MFSS is being developed with a focused purpose centered on consumer credit and debit card security.
THEME 03
Early-Stage Opportunity
Prospective investors may register interest as the company continues to develop its business and service model.
The company's central focus is protecting credit and debit card use from unlawful or unauthorized activity.
Service in Development
Technical specifications, eligibility requirements, pricing, guarantees, and final service terms remain under development.
Future Information
Additional details will be published as the business and proposed service model are finalized.
Ask a Question
Have a Question About MFSS?
Submit an inquiry and a representative will follow up as additional business information becomes available. Submitting this form does not enroll you in a service.
Maximum Financial Security Services is a developing U.S. financial security company focused on services intended to help protect consumer credit cards and debit cards from unlawful or unauthorized use.
MFSS began with founder Duane Harris's personal experience involving unauthorized charges and theft affecting both his credit card and debit card, followed by months of research into how card fraud is carried out.
No. MFSS is in development. The website is informational and does not process service purchases, enrollments, or online payments.
No. MFSS does not publish guarantees, and no guarantee terms, limitations, or eligibility requirements have been finalized. The founder's original service vision is presented separately on the Our Story page as a stated intention that remains subject to technical validation and legal review.
No. The website does not process purchases, enrollments, payments, or securities transactions.
Yes. The Investors page provides an interest form. Submitting it is an expression of interest only and does not constitute an investment, commitment, offer, or securities transaction.
Contact the bank or credit union that issued the card immediately, lock or replace the card using official issuer tools, review recent transactions, change compromised credentials, document the incident, and continue monitoring related accounts. General educational information only — not legal, banking, or financial advice.
It is theoretically possible for a debit card with a tap-to-pay RFID or NFC chip to be scanned while inside a wallet, but this is considered extremely rare because a portable reader would need to be held within very close range of the card. Consumers should prioritize issuer alerts, secure account practices, statement reviews, and protection of physical cards. An RFID-blocking wallet or individual card sleeve is an optional additional barrier.
Security for Every Card. Confidence for Every Transaction.
Contact Maximum Financial Security Services to learn more about the developing business, its services, or investor information.
