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.
Highest certification tier for payment processors. Audited annually by a QSA.
Information security management system — certified by BSI Group.
Annual attestation covering security, availability, and confidentiality controls.
Full compliance with EU GDPR and UK Data Protection Act 2018. DPA available on request.
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.
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.
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.
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.
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.
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.
Real-Time Signals Analysed
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.
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.
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.
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.
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.