Security & Compliance at NetPay
Payments infrastructure is only as good as the trust behind it. Every NetPay program runs on PCI DSS Level 1 certified systems with compliance workflows built into the platform — not bolted on afterwards.
How does NetPay secure payments and data?
NetPay runs card issuing and payment infrastructure on PCI DSS Level 1 certified systems — the highest level of the card industry's data security standard. Card credentials are tokenized, access is governed by role-based controls, and every program ships with KYC/KYB onboarding and real-time AML transaction monitoring. Spending rules are enforced at authorization time, so out-of-policy transactions are declined before money moves.
The security layers behind every program
PCI DSS Level 1 systems
Card data is handled on infrastructure certified to PCI DSS Level 1 — the standard's most stringent tier, required of the largest payment processors.
Tokenization & encryption
Primary account numbers are tokenized so systems and partners work with tokens, not raw card data, reducing exposure at every hop.
KYC/KYB onboarding
Every cardholder and business is verified before anything is issued, with structured identity workflows built into the platform's APIs.
AML transaction monitoring
Real-time monitoring with fraud signals and behavioural scoring watches transactions as they happen, not in yesterday's batch file.
Role-based access controls
Program operators grant their teams exactly the access their role needs — issuance, support, reporting — nothing more.
Real-time authorization controls
Limits, merchant category rules, country and channel restrictions are enforced during authorization, so policy violations decline at the terminal.
Instant card lifecycle response
A lost or suspicious card is frozen in one API call or dashboard click, and replaced without losing the account behind it.
Resilient infrastructure
The platform is engineered for scale with a 99.99% uptime commitment, so authorization keeps answering when your business depends on it.
Regulatory posture
NetPay is registered as a Money Services Business in the United States; services are subject to eligibility, verification and compliance review, with partner approval where required.
How security runs through a program's life
- 1
Vetted onboarding
KYB review of your business and KYC verification of cardholders happen before issuance — compliance starts at the front door.
- 2
Controls at authorization
Every transaction is checked against your program's rules in real time. Out-of-policy spend never gets approved in the first place.
- 3
Continuous monitoring
AML monitoring, fraud signals and behavioural scoring run across live transaction flow, flagging anomalies as they occur.
- 4
Oversight & reporting
Role-based dashboards, audit-ready records and webhook trails give your team and ours full visibility over program activity.
What this protects
Frequently asked questions
Is NetPay PCI DSS compliant?
Yes — card-issuing infrastructure runs on PCI DSS Level 1 certified systems, the highest tier of the card industry's data security standard.
How is card data protected?
Card credentials are tokenized, so raw account numbers are not passed around between systems. Combined with PCI DSS Level 1 handling and role-based access, this minimizes where sensitive data can exist at all.
How does fraud and AML monitoring work?
Transactions are monitored in real time with fraud signals and behavioural scoring, alongside AML rules. Suspicious activity is flagged as it happens, and program-level controls can decline out-of-policy transactions at authorization.
Who can access our program's data?
Access is governed by role-based controls: your team members see and do only what their assigned role permits, and activity is recorded for oversight.
Is NetPay a bank?
No. NetPay is registered as a Money Services Business in the United States and provides digital financial technology services — including virtual IBAN services, card-related solutions and business payment infrastructure. Services are subject to eligibility, verification, compliance review, applicable laws and partner approval where required.
What happens if a card is lost or compromised?
The card can be frozen instantly via API or dashboard and replaced without closing the underlying account — for virtual cards, a replacement is issued in seconds.
Related pages
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