PCI DSS Level 1 Certified
SOC 2 Type II
99.9% Uptime
End-to-End Encryption
3D Secure 2.0
Security & Trust Center
Your payments are protected by enterprise-grade security infrastructure. ValPay is built on a foundation of trust, compliance, and continuous monitoring to keep your business and your customers safe.
Built on a Foundation of Compliance
ValPay maintains the highest level of payment security certifications, so you can focus on growing your business while we handle the complexities of compliance.
PCI DSS
Level 1: the highest certification, validated by annual third-party audits.
SOC 2
Type II: independently audited against the Trust Services Criteria.
3DS 2.0
Frictionless cardholder authentication on every eligible transaction.
GDPR
Privacy by design: GDPR, CCPA, and PIPEDA compliant.
How We Protect Your Data
Every transaction is protected by multiple layers of security, from the moment a card is swiped to final settlement.
01
End-to-End Encryption
All payment data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption. Sensitive cardholder data never touches your servers.
02
Tokenization
Card numbers are replaced with unique tokens at the point of capture. Original card data is stored in our PCI-compliant vault, while your systems only handle non-sensitive tokens.
03
Network Security
Multi-layered network security including Web Application Firewalls (WAF), DDoS protection, intrusion detection systems, and 24/7 infrastructure monitoring.
Intelligent Fraud Prevention
Our fraud prevention engine combines machine learning with configurable rules to stop fraudulent transactions before they happen, without blocking legitimate customers.
Real-Time Risk Scoring
Every transaction is analyzed in real time against hundreds of risk signals including device fingerprinting, velocity checks, geolocation, and behavioral analytics.
Customizable Rules Engine
Set your own fraud rules based on transaction amount, geography, card type, time of day, and more. Fine-tune your risk tolerance to match your business needs.
Chargeback Management
Proactive chargeback prevention with automated alerts, dispute management tools, and detailed reporting to help you win disputes and reduce chargeback ratios.
Enterprise-Grade Infrastructure
ValPay's payment infrastructure is designed for reliability at scale, with redundancy built into every layer.
99.999% Uptime
Our globally distributed infrastructure ensures your payments never go down. With automatic failover and redundant systems across multiple availability zones, you can count on ValPay.
Global Processing Network
Process payments in 40+ countries with local acquiring to optimize authorization rates. Our global network ensures fast, reliable processing wherever your customers are.
Real-Time Monitoring
24/7 system monitoring with automated alerting and incident response. Our operations team proactively identifies and resolves issues before they impact your business.
PCI Compliance, Handled
Every merchant on ValPay completes PCI validation through our self-serve portal. Your platform doesn't carry the compliance burden, and neither do your merchants' IT teams.
Level 1 Infrastructure
ValPay processes and stores cardholder data in a PCI DSS Level 1 certified environment, validated by annual third-party audits.
Reduced Scope for Your Platform
Tokenization and hosted payment fields keep card data off your servers, cutting your platform's PCI scope to the minimum.
Self-Serve Merchant Validation
Merchants complete their SAQ and validation in the ValPay PCI portal with guided steps. No paperwork ping-pong.
