Sign In
Security & Compliance

Security isn't a feature. It's the foundation.

Every layer of Paynectra’s infrastructure is designed with security as the primary constraint. From card tokenisation at the browser to encrypted settlement instructions sent to acquiring banks — your data and your customers’ data are protected at every step.
Certifications

Audited, certified, and independently verified

PCI DSS Level 1

Highest certification tier for payment processors. Audited annually by a QSA.

ISO 27001

Information security management system — certified by BSI Group.

SOC 2 Type II

Annual attestation covering security, availability, and confidentiality controls.

GDPR Compliant

Full compliance with EU GDPR and UK Data Protection Act 2018. DPA available on request.

Security Architecture

Defence in depth — layered protection at every level

Security is not a single product or feature. Paynectra employs multiple independent security layers so that the compromise of any single control does not expose your business or customers.

Data Encryption

All card data is encrypted using AES-256 at the point of capture. Data in transit is protected by TLS 1.3. Encryption keys are rotated on a strict schedule and stored in hardware security modules (HSMs) that are physically inaccessible.

  • AES-256 encryption at rest
  • TLS 1.3 for all data in transit
  • Hardware Security Modules (HSMs) for key storage
  • Automatic key rotation every 90 days

Tokenisation

Raw card numbers (PANs) are never stored on Paynectra servers or passed through merchant systems. Instead, we issue a network token — a surrogate value that is meaningless if intercepted — usable only within the Paynectra ecosystem.

  • Network tokenisation with Visa and Mastercard
  • Merchant-specific vaulted tokens
  • Zero PAN exposure to merchant infrastructure
  • Token binding to prevent cross-merchant replay

Continuous Monitoring

24/7 Security Operations Centre staffed by certified analysts. All API activity, admin actions, and system events are logged to an immutable audit trail with real-time anomaly detection alerts.

  • 24/7 SOC with dedicated security engineers
  • Immutable audit logs for all events
  • Real-time SIEM with custom detection rules
  • Automated incident response playbooks
 

Network Security

All Paynectra production infrastructure runs in private subnets with no direct internet exposure. Access requires multi-factor authentication and is governed by zero-trust network access policies enforced at every hop.

  • Zero-trust network access (ZTNA)
  • Web Application Firewall (WAF) with DDoS protection
  • Private subnets — no public IP exposure
  • Mandatory MFA for all internal systems
Fraud Intelligence

AI that scores every transaction in under 200ms

Our fraud engine processes over 200 real-time signals for every transaction, building a risk score that determines whether to approve, challenge with 3DS, or decline — without slowing down your checkout.

The model is trained on billions of transactions across our merchant network, continuously updated as fraud patterns evolve. Unlike static rule engines, it adapts — staying ahead of professional fraud rings without generating false positives that hurt genuine customers.

85%

Chargeback reduction

<0.3%

False positive rate

200+

Data signals analysed

Real-Time Signals Analysed

  • IP geolocation
  • Device fingerprint
  • Velocity checks
  • BIN analysis
  • Email reputation
  • Behavioural biometrics
  • Proxy / VPN detection
  • Address verification
  • 3DS authentication
  • Network graph links
  • Historical patterns
  • Card issuer data
Infrastructure

Built for 99.99% uptime

Paynectra’s infrastructure is designed with redundancy at every level — active-active data centres, automatic failover, and capacity that scales instantly with your payment volume.

Multi-Region Active-Active

Production environments run simultaneously in EU (Ireland), US East, and APAC (Singapore). Any region can absorb full traffic load with no manual intervention required during failover.

99.99% Uptime SLA

Enterprise accounts receive a contractual 99.99% uptime SLA backed by financial remedies. Our current 12-month uptime is 99.97% for all plans. Live status available at status.Paynectra.io.

Auto-Scaling Infrastructure

Compute and database clusters scale horizontally within seconds based on real-time transaction throughput. Peak promotional events and sudden spikes are handled automatically — no capacity planning required.

Bug Bounty Programme

Responsible Security Disclosure

We welcome reports from the security research community. If you believe you've found a vulnerability in Paynectra's systems or API, please report it to our security team. We operate a bug bounty programme through HackerOne, with rewards of up to $10,000 for critical vulnerabilities.

Report a Vulnerability
View Bounty Programme