Last updated: August 26, 2026
PayFlexGo's infrastructure is designed around defence-in-depth: multiple independent layers of protection, so that no single control failure exposes sensitive data. Security is embedded across our engineering, operations, and compliance functions rather than treated as a bolt-on feature, and our controls are reviewed and updated on an ongoing basis to keep pace with evolving threats.
256-bit TLS in transit and encrypted storage at rest for sensitive data.
Card data is tokenised; raw card numbers are never stored on merchant servers.
Real-time risk scoring flags suspicious transaction patterns before they settle.
Role-based dashboard permissions and audit logs for every account action.
24/7 monitoring of systems and infrastructure for anomalous activity.
Periodic vulnerability scans and third-party penetration testing of our platform.
All traffic between your browser, the PayFlexGo dashboard, and our API is encrypted using TLS 1.2 or higher. Sensitive fields, including card and bank details, are tokenised at the point of entry so that raw values never touch merchant infrastructure. Data at rest is encrypted using industry-standard algorithms, and encryption keys are managed and rotated under strict internal controls. Our systems are hosted on infrastructure with redundant, monitored data centres, network segmentation, and firewalls to limit exposure between environments.
Wherever possible, sensitive payment details are replaced with non-reversible tokens immediately upon capture, so that merchants can process repeat or recurring payments without ever handling raw card data. Access to systems that do process sensitive data is restricted to a small set of authorised personnel, logged, and reviewed periodically. We follow the principle of least privilege internally, ensuring employees and systems only have access to the data required for their specific function.
Our platform is built toward PCI DSS Level 1 standards for handling cardholder data, and we align our practices with applicable data protection and financial regulations, including RBI guidelines for payment aggregators in India. We periodically review our controls against these frameworks and work with independent assessors where required to validate our compliance posture. Merchants remain responsible for their own compliance obligations arising from how they collect, use, or store customer data outside of our platform.
Every transaction is scored in real time using a combination of rules-based checks and machine learning models trained to detect anomalous behaviour, such as unusual transaction velocity, mismatched geolocation, device fingerprint anomalies, or known fraud patterns. High-risk transactions may be held for manual review, additional verification, or declined outright to protect both merchants and their customers. We continuously refine our risk models using patterns observed across the platform.
Our infrastructure is designed for high availability, with redundancy built in to reduce the impact of hardware failures, regional outages, or unexpected traffic spikes. We maintain backup and disaster recovery procedures for critical systems and data, and periodically test these procedures to help ensure a timely recovery in the event of a disruption.
We encourage merchants to help keep their own accounts secure by:
We maintain an internal incident response process to detect, contain, and remediate security events as quickly as possible. Where an incident is confirmed to have affected merchant or customer data, we aim to notify affected parties and relevant authorities in line with our legal obligations and applicable regulatory timelines, and to provide clear guidance on any steps merchants should take.
If you're a security researcher and believe you've found a vulnerability in PayFlexGo's systems, we welcome a responsible disclosure report. Please avoid accessing or modifying data that isn't yours, avoid actions that could degrade the experience of other users (such as denial-of-service testing), and give us a reasonable window to investigate and remediate before any public disclosure. We aim to acknowledge valid reports promptly and keep researchers updated on remediation progress.
To report a security concern, a suspected vulnerability, or to ask about our practices, reach out to: