Security is not a feature; it is the architecture.
In payment infrastructure, security cannot be a layer added later. Every component, from card-data handling to admin permissions, is designed on least-privilege and defence-in-depth principles.
Every transaction, permission change and admin action is traceable; the records your internal and external audits need are produced from day one.
Layers
Security in six layers.
3D Secure and strong authentication
3D Secure for card payments; two-step verification for admin and user sign-in.
Tokenisation
Stored cards are represented by meaningless tokens; card data never travels through the application layer.
Encryption and key management
TLS in transit, strong encryption at rest; keys are managed separately from data.
Role-based access
Users only reach the screens and actions their role needs; critical actions require dual approval.
Audit trail
Transactions and admin actions are kept as time-stamped, tamper-evident records.
Risk and fraud rules
Limit, velocity, device and behaviour rules flag or stop suspicious activity.
Compliance
Designed with regulation in mind.
The platform is designed around payment services and e-money regulation, card-data security standards and personal data protection rules.
Licensing, certification and audit obligations rest with the institution offering the service; the PayPandas platform is configured to support those processes.
Plugs into your KYC and AML processes.
The services you use for identity verification, customer risk scoring and suspicious-activity reporting connect to the platform via API, so checks run at the right point in each flow.
- Remote identity verification services
- Sanctions and PEP screening
- Suspicious-activity monitoring and reporting
- Document and record retention