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High security standards

Security is our top priority. We conduct rigorous checks, employ safe data storage, and comply with all regulations to ensure a stable and reliable payment platform. We continuously seek new technology and perform independent testing to improve further.

  • Our methods also include:
  • rigorous security checks
  • safe data storage
  • employee screenings
  • compliance with the security standards and regulations.
Check the documentation below to know all the details.
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Data encryption

We adhere to the PCI Data Security Standard for Service Providers.

Web application security

We follow the industry-standard secure coding guidelines.

Physical & network security

Data is hosted in dedicated facilities with 24x7 security.

Certifications & Compliance

Our dedicated compliance team ensures that our procedures and policies align with industry standards. They identify necessary controls, processes, and systems to achieve compliance. Regular internal audits and independent assessments by third parties further reinforce our commitment to maintaining a high level of compliance.

PCI DSS Level 1 compliance

Payment Card Industry Data Security Standard (PCI DSS) is a security standard established by major payment systems. Compliance with this standard makes online transactions secure and protects them against identity theft. It increases cardholder data control and reduces fraud operations.

  • Level 1 PCI compliant
  • No need for you to be PCI compliant
  • Industry recognition
  • No prohibited data storage

Secure infrastructure

At Todapay, we adhere to the highest standards of security, integrity, and stability. We are fully aware of the trust you place in us by sharing your data, and we take every possible step to safeguard it. Our commitment to your data security is unwavering, and we are always seeking opportunities to enhance our practices and provide an even better service.

Infrastructure reliability

TODA Pay's payment platform operates on AWS, ensuring PCI compliance by following stringent security best practices and maintaining a high level of auditability.

  • Hosting facilities
  • 99.95% uptime
  • Monitoring
  • DDoS protection
  • Latency
  • Processing speed
  • Scalability

Security management

To safeguard against suspicious or unauthorized activities, we carefully monitor and analyze employee, customer, and vendor actions.

  • Firewall
  • Monitoring
  • Penetration testing
  • Scanning
  • Vulnerability management
  • Intrusion prevention system

Ultimate data protection

When evaluating information management solutions, data protection and security become paramount, particularly concerning your company's sensitive payment data.

  • TLS 1.2 (SSL)
  • Data encryption
  • Card tokenisation
  • No prohibited data storage

private stays private

In a trust-driven industry, Todapay instills confidence in businesses by employing sophisticated security practices to safeguard their data. Our dedicated team collaborates closely with each client, providing best practices to ensure the utmost privacy and protection of sensitive information.

Ongoing education
Our teams regularly train in cryptography, OWASP Top 10, and other relevant areas for our platform.
Community consciousness
We are members of different security specialists communities. There, professionals always share new methods, local or global trends and options for the best data protection. We always keep our finger on the pulse of security industry.
Strategic approach
Our continuous internal and external testing plays a crucial role in identifying and comprehending adversary tactics. This proactive approach empowers us to implement effective measures to safeguard data and maintain its security.
Third-party testing
Theoretical security solutions are inadequate for us. To ensure real-world effectiveness, we collaborate with third-party providers who rigorously test, attack, and evaluate our security controls.
Development
Our developers collaborate closely with various departments, fostering effective teamwork. Notably, we achieve seamless weekly releases of our core system, ensuring no downtime or active participation from our customers.
Third-party testing
Todapay's foundation relies entirely on open-source software, granting us complete control over our software components. This independence from third-party solutions ensures flexibility and autonomy in our operations.
Proven practices
Todapay upholds a SOC 2 report, independently attested by a third-party, showcasing our commitment to safeguarding our systems and your data with appropriate security measures.
Strong access controls
To safeguard valuable financial data, we implement stringent access controls. By utilizing OAuth authentication and scoping, we convert sensitive information into temporary and ever-changing keys (tokens). This robust security measure ensures that only authorized individuals have appropriate access, enhancing data protection

SecurE access

Our capabilities will definitely help you to protect your business. But they work only if you apply them. Otherwise, your systems may be vulnerable.

Gain peace of mind with Todapay's PCI-compliant,
two-factor authentication. By implementing this enhanced security measure, we effectively minimize security risks, ensuring robust protection for your sensitive data.
Maintaining a comprehensive activity log
plays a crucial role in ensuring data security, aiding in privacy preservation, and facilitating compliance with relevant regulations.
Role access management
Every user should have access to the information which is relevant to his role only. This mitigates security risks and provides compliance with the company policy.
Session management
involves storing unique user session identifiers as entries in the database. This practice allows for effective tracking and management of user sessions, contributing to a secure and efficient user experience on the platform.
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SMART AND KEY-READY SECURITY toolkits

Our key-ready security solutions will give you an extra protection layer and help you idetify specific fraud transactions, managing all the risks in a more effective way.

  • Blocking rule engine
  • Smart blacklisting
  • Smart 3DS routing
  • Third-party risk scoring

Full 3D Secure support

We use 3D Secure authentication protocol, providing an extra layer of verification for card-not-present transactions. This protocol is compliant with authentication regulations, including the Strong Customer Authentication (SCA) mandate from PSD2.

  • Support for both 3D Secure 1 & 2
  • Keep your transactions SCA-compliant
  • Shift chargeback liability
  • Lift authorisation rates
  • Take advantage of exemptions

Card vault & Tokenisation

TODA provides safe transactions and tokenised data with no extra fees. Receive the payments with or without PCI compliance by using our tokenisation technology. This will help you keep your customers’ data secured and focus more on your business.

Create payment scenarios, fitting your business needs. Use TODA’s powerful API to get more flexible in this aspect and minimize security risks.
  • One card can be changed multiple times. Meanwhile, customer won’t need to re-enter the details.
  • Enable a free of charge authorisation to block funds on the customer’s card to have time for customer verification, using our fraud score.
  • You can use one-click payments to simplify the purchase-flow.
  • Add just a few lines to your code to create charges or subscriptions.
Give your customers the best user experience by streamlining the payment process.
Customer enters card data
A customer inputs his banking card details. This process can be arranged by a custom form, checkout, or directly with API.
Token is created on our side
We create a token in our API, then we send the card details to our token server.
Token is sent back to you
We send the token to your backend. You’ll be able to securely process the payments, even without PCI compliance as we’ve got you covered here.
The security of online payments is a major concern not only for cardholders but also for banks, payment service providers, platforms, and merchants, such as online stores. The reason is quite clear: all parties involved risk not only financial losses but also damage to their reputation if a security breach occurs. This heightened concern for safety has led to the development of advanced methods to secure transactions and thwart fraudulent activities involving card data.
How It Functions:


At the core of our platform lies a commitment to the security of payment data. We adhere to the strictest standards, conducting thorough security checks, employing secure data storage practices, implementing staff controls, and ensuring compliance with all relevant regulations. We take the matter of security extremely seriously to guarantee the utmost safety and reliability of our platform. We remain vigilant about emerging technologies, continually assessing risks and conducting independent audits to maintain stability, reliability, and safety throughout our platform.
We remain vigilant about emerging technologies, continually assessing risks and conducting independent audits to maintain stability, reliability, and safety throughout our platform.
PCI DSS:


Our platform adheres to the most rigorous security standard - PCI DSS Level 1. An annual on-site audit ensures the highest levels of compliance are upheld. This also enables us to shoulder the burden of PCI compliance on behalf of our clients, simplifying their interactions with banks. This level of compliance guarantees the complete protection of our clients and the sensitive data of their customers.
VISA TPA & MRP:


As registered participants in the Mastercard Registration Program and VISA Third Party Agent, we provide an additional layer of security for our clients.
ISO 9001, 27001:


The International Organization for Standardization (ISO) plays a vital role in ensuring secure online payments. We proudly hold certifications for both ISO 9001 and ISO 27001 standards. ISO 9001 sets out the requirements for a Quality Management System, helping organizations demonstrate their ability to deliver high-quality services and products. Todapay is also certified to ISO/IEC 27001:2013, covering Application, Systems, People, Technology, and Processes. Information security resulting from these standards leads to performance improvements, risk reduction, and enhanced customer convenience.
PSD2:


We are fully supportive of PSD2, the Payment Services Directive that replaces the 2007 version. This solution empowers third-party providers to manage bank customers' finances with direct permission and enhanced authentication. Under PSD2, customers grant consent for individual transactions as well as for third-party providers to access their bank-stored information.
GDPR:


GDPR is designed to safeguard the personal data and privacy of European Union citizens. This pan-European regulation ensures that the collection of clients' identity details occurs only with explicit and reasonable consent.
Our payment orchestration platform leverages 3D Secure technologies, encompassing both 3D Secure 1 and 3D Secure 2. These technologies play a crucial role in verifying the identity of cardholders in real-time, ensuring the security of each transaction. Upon entering the card number, the cardholder is seamlessly redirected to the issuing bank's server. Typically, the bank follows up by sending an SMS containing a confidential code for confirmation. Once the received code is input, the cardholder's identity is verified, and the transaction is authorized. For example, Mastercard employs Mastercard SecureCode to fortify all financial procedures.
Credit Card Payments


Todapay empowers you to accept online payments through tokenization technology, which not only safeguards customer data but also enables business owners to concentrate on growth and development. Our robust API allows merchants to charge a single credit card multiple times without the necessity of re-entering payment details. Furthermore, we facilitate free-of-charge authorizations thanks to our fraud score system. Additionally, we offer one-click payments to streamline the purchasing process, enhancing customer satisfaction.
Our platform incorporates a system designed to assess online transactions and identify any potentially fraudulent activity. Following a comprehensive analysis of each transaction, the system provides recommendations to either reject the transaction or subject it to further scrutiny. In cases where fraud is suspected, the system can prevent the debit of funds.
The Todapay anti-fraud system can be configured to operate based on various parameters, including:


1. Transaction limits originating from a single IP address.
2. Restrictions on transaction amounts.
3. Limits on the number of purchases.
4. Utilization of a dynamically changing algorithm.
5. Evaluation of customer behavior within the payment process.
6. Transaction analysis based on statistical data, among others.

Our anti-fraud system scrutinizes all transactions, flagging any abnormal or suspicious ones. It is also capable of pinpointing potential fraudsters with a high degree of accuracy or categorizing buyers' card transactions as trustworthy.

Experience secure payment processing without compromising your funds, reputation, or the sensitive data of your customers.

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Send us your request and get an offer that suits your business model.

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