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.
Trust & Security
Security & Compliance at NetPay
No scheme membership. One API. Launched under your brand.
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.
Your program
- PCI DSS Level 1 systemsCard data is handled on infrastructure certified to PCI DSS Level 1 — the standard's most stringent tier, required of the largest payment processors.
- Tokenization & encryptionPrimary account numbers are tokenized so systems and partners work with tokens, not raw card data, reducing exposure at every hop.
- KYC/KYB onboardingEvery cardholder and business is verified before anything is issued, with structured identity workflows built into the platform's APIs.
- AML transaction monitoringReal-time monitoring with fraud signals and behavioural scoring watches transactions as they happen, not in yesterday's batch file.
Launch checklist
- Vetted onboarding
- Controls at authorization
- Continuous monitoring
- Oversight & reporting
- PCI DSS Level 1 systems
- Visa & Mastercard programs
- 150+ countries
- 35+ currencies
The problem
Launching payments usually means building a bank first.
The product is rarely the hard part. The dependencies are: scheme membership, a sponsor bank, a certified PCI environment and a stack of vendors, each with its own queue.
Scheme membership is a project in itself.
Going to Visa or Mastercard directly means capital requirements, audits and a sponsor bank before a single card ships.
Compliance becomes a second product.
PCI DSS, KYC, AML monitoring and disputes each need their own people, vendors and audit cycles.
Every vendor is another integration.
Processor, ledger, KYC and payout providers each bring their own API, contract and failure modes.
Run it yourself
One program, two ways to launch it.
Launch trust & security under your brand Ready
Building it with a bankIdle: press Launch the program
- Apply for card scheme membership
- Negotiate a sponsor bank and BIN
- Build and certify a PCI DSS environment
- Integrate processor, KYC and ledger vendors
- Wait for scheme certification
Every dependency sits in another team's queue, and you still own the audits.
Launching it on NetPayIdle: press Launch the program
- Vetted onboarding
- Controls at authorization
- Continuous monitoring
- Oversight & reporting
Same program. One partner, one API and one contract.
Capabilities
The security layers behind every program
Everything here runs on the same NetPay rails, API and dashboard.
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 it works
How security runs through a program's life
A guided path. We carry the regulated heavy lifting so your team ships the product.
Vetted onboarding
KYB review of your business and KYC verification of cardholders happen before issuance — compliance starts at the front door.
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.
Continuous monitoring
AML monitoring, fraud signals and behavioural scoring run across live transaction flow, flagging anomalies as they occur.
Oversight & reporting
Role-based dashboards, audit-ready records and webhook trails give your team and ours full visibility over program activity.
What this protects
Built for teams that move money.
- Cardholder data
- Program funds & balances
- Transaction integrity
- Account access
- Regulatory standing
- Your brand's trust
How we compare
How NetPay compares.
Every option gets you to a live program eventually. The rows show what each one asks of your team.
| Capability | NetPay | Build in-house | Legacy processor |
|---|---|---|---|
| Card scheme membership | Not needed, we sponsor | Required | Usually required |
| PCI DSS scope | On our Level 1 systems | Yours to certify | Shared with you |
| Cards, IBANs and payouts | One platform | Separate vendors | Cards only |
| Integration | One REST API and webhooks | Several vendor APIs | Batch files, legacy APIs |
| Sandbox before launch | Full sandbox | Build your own | Limited |
| Your brand | Every card, app and statement | Yes | Often co-branded |
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.
Launch on rails that are secure by default
Tell us what you're building and we'll scope the right program and rails with you.