Compliance Certifications
Paydios maintains four independent certifications that together cover card-data security, information security management, operational controls, and data-privacy obligations.PCI DSS Level 1
The highest certification level for payment card data security. Every transaction processed through Paydios meets the strictest industry requirements for cardholder data protection.
ISO 27001
Internationally recognised certification for information security management. Our policies, processes, and controls are independently audited against this standard.
SOC 2 Type II
Independently audited security, availability, and confidentiality controls — assessed over a sustained observation period, not just a point-in-time snapshot.
GDPR Compliant
Full compliance with EU and UK data-protection regulations. Customer data is handled, stored, and processed in accordance with GDPR requirements.
Data Protection
Paydios applies industry-leading encryption and data-handling controls to every payment, using the same class of cryptographic standards trusted by banks and government agencies.- End-to-end encryption for all payment transactions — data is encrypted from the customer’s browser to the acquiring bank.
- SSL/TLS for all data transmission between your integration and the Paydios API.
- Tokenization of sensitive payment data — raw card numbers are never stored in plain text at any point in the payment flow.
- Regular security audits and penetration testing, including quarterly assessments, annual third-party penetration tests, and continuous vulnerability scanning.
Fraud Prevention
Paydios evaluates every transaction in real time using a multi-signal fraud detection engine. Suspicious transactions are flagged or blocked automatically before a charge is completed.- Real-time transaction monitoring and risk scoring — every transaction receives a risk score before authorisation.
- Machine learning fraud detection — models trained on global transaction patterns identify anomalies that static rule sets miss.
- Device fingerprinting and behavioral analysis — browser signals, device characteristics, and session behaviour are combined to detect stolen credentials and account takeovers.
- 3D Secure 2.0 authentication support — strong customer authentication for card-not-present transactions, reducing liability and chargebacks.
- Dynamic fraud rules per merchant — rules can be tuned to your specific business model, geography, and risk appetite.
Infrastructure Security
Physical Security
Paydios runs on enterprise-grade data centre infrastructure with layered physical controls.- 24/7 monitored data centres with on-site security personnel
- Biometric access controls restrict entry to authorised personnel only
- Redundant power and cooling systems ensure continuous availability
- Fire suppression systems protect hardware from environmental incidents
Network Security
The network layer is hardened against external attack and internal lateral movement.- DDoS protection and real-time mitigation to maintain availability under attack
- Intrusion detection systems that alert on anomalous network activity
- Network segmentation isolates payment processing systems from other workloads
- Regular security updates applied on a defined patching cadence
Your security responsibilitiesPaydios secures the payment infrastructure end-to-end — but you are responsible for the security of your own integration. Keep your secret API keys private, never embed them in client-side code or public repositories, rotate them immediately if they are compromised, and keep your SDK and integration libraries up to date.
Report a Security Issue
If you discover a vulnerability in Paydios or have concerns about our security practices, email us at security@paydios.io immediately. We encourage responsible disclosure and will work with you to investigate and address the issue as quickly as possible.