Enterprise-level security for every transaction
From the moment your customers make a payment to the instant funds reach your account — every transaction is shielded by our enterprise-grade security protocols and seamless, frictionless authentication.
Protection without compromise
PayMongo’s security framework combines real-time machine learning and 3D Secure to block fraud before it affects your business. Our adaptive risk parameters ensure every transaction is secure, protecting your revenue and customer trust seamlessly.
How PayMongo Secures your transactions
Real-time fraud detection and prevention
Powered by machine learning, our system identifies and stops fraudulent transactions in real-time. It analyzes thousands of signals to stop potential threats from affecting your bottomline.
24/7 protection against BIN attacks and automated threats
Our advanced tools automatically detect and prevent BIN attacks and other automated fraud attempts, providing your business with round-the-clock protection against online threats.
PCI-DSS Level 1 compliance
Your customers’ card information is protected by the highest security standard in the payment industry, safeguarding your sensitive data from end to end.
Customizable risk threshold
We know every business has unique security needs. PayMongo offers tailor-fit business rules and risk thresholds, so you can set the level of protection that aligns with your risk tolerance and business model.
Multi-factor authentication (MFA)
Control access to your PayMongo dashboard with multi-layered security. Only verified users can make changes to account details, reducing the risk of unauthorized access.
Regulated by Bangko Sentral ng Pilipinas
PayMongo operates under the oversight of the Bangko Sentral ng Pilipinas (BSP), listed as an official payment operator. This regulatory compliance reinforces our commitment to keeping every transaction secure.
Complete data encryption
Every transaction is encrypted end-to-end with HSTS, ensuring your customers’ payment information remains protected from potential breaches.
Frictionless purchasing
Your customers can skip the unnecessary OTPs during low-risk transactions, providing a seamless checkout experience while their card details remain protected.
Trusted 3D Secure authentication
With 3DS, your customers can feel reassured with additional verification, offering them peace of mind when making high-value purchases.
Instant transaction notifications
Keep your customers updated with real-time alerts for every transaction, adding an extra layer of transparency and enhancing their trust in your brand.
Smart technology meets bulletproof security
We take the extra mile to make sure you’re always one step ahead of fraud
Risk scores and levels
Each transaction is evaluated and scored against thousands of data combinations. We block potentially fraudulent payments before they reach your account.
Network analysis
Our system connects similar data points across the entire PayMongo network. We spot anomalies and use collective insights to secure your transactions.
Device fingerprinting
We recognize and track the devices used for your transactions, ensuring consistency and alerting you to any suspicious changes in customer behavior.
Transaction pattern recognition
Advanced machine learning analyzes transaction patterns to detect unusual activities, building a line of defense that evolves with every transaction
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