Security

1. Security Overview

At AXPay, security is our top priority. We employ multiple layers of security controls to protect payment data, prevent fraud, and ensure the integrity of all transactions processed through our high risk payment gateway.

2. Data Encryption

2.1 Encryption in Transit

All data transmitted to and from AXPay is protected using:

• TLS 1.3: Latest Transport Layer Security protocol
• Perfect Forward Secrecy: Unique session keys for each connection
• Strong Cipher Suites: Only industry-approved encryption algorithms
• Certificate Pinning: Protection against man-in-the-middle attacks
• HSTS Enabled: HTTP Strict Transport Security enforcement

2.2 Encryption at Rest

Stored data is protected with:

• AES-256 Encryption: Military-grade encryption for all sensitive data
• Database Encryption: Transparent Data Encryption (TDE)
• Encrypted Backups: All backups are encrypted and tested regularly
• Key Management: Hardware Security Modules (HSM) for key storage
• Key Rotation: Regular automated rotation of encryption keys

2.3 Tokenization

Sensitive payment data is tokenized to minimize exposure:

• Card numbers replaced with secure tokens
• Tokens cannot be reverse-engineered
• Reduces PCI DSS scope for merchants
• Secure token vault infrastructure

3. Infrastructure Security

3.1 Network Security

Multi-layered network protection:

• Firewall Protection: Next-generation firewalls with deep packet inspection
• DDoS Protection: Advanced distributed denial-of-service mitigation
• Intrusion Detection (IDS): Real-time threat detection systems
• Intrusion Prevention (IPS): Automated threat blocking
• Network Segmentation: Isolated security zones
• VPN Access: Secure encrypted connections for administrative access

3.2 Server Security

Hardened server infrastructure:

• Regular security patches and updates
• Minimal attack surface with unnecessary services disabled
• File integrity monitoring
• Anti-malware protection
• Secure baseline configurations

3.3 Cloud Security

Enterprise-grade cloud infrastructure:

• Tier III+ Data Centers: 99.99% uptime guarantee
• Geographic Redundancy: Data replicated across multiple regions
• Physical Security: 24/7 monitoring, biometric access controls
• Environmental Controls: Climate-controlled, fire suppression

4. Access Controls

4.1 Authentication

Strong authentication requirements:

• Multi-Factor Authentication (MFA): Required for all accounts
• Biometric Authentication: Available for mobile access
• Password Requirements: Minimum 12 characters, complexity rules
• Password Hashing: bcrypt with salt for all stored passwords
• Session Management: Secure tokens with automatic expiration

4.2 Authorization

Principle of least privilege:

• Role-Based Access Control (RBAC): Granular permission system
• Separation of Duties: No single person has complete system access
• Regular Access Reviews: Quarterly audit of user permissions
• Automated De-provisioning: Immediate access removal for terminated users

4.3 API Security

Secure API implementation:

• API Key Authentication: Unique keys for each integration
• OAuth 2.0: Industry-standard authorization
• Rate Limiting: Protection against abuse
• IP Whitelisting: Restrict API access to approved IPs
• Request Signing: HMAC signature verification

5. Fraud Prevention

5.1 Real-Time Fraud Detection

AI-powered fraud prevention:

• Machine Learning Models: Pattern recognition and anomaly detection
• Behavioral Analysis: User and transaction behavior profiling
• Velocity Checks: Transaction frequency monitoring
• Geolocation Verification: IP and device location analysis
• Device Fingerprinting: Unique device identification
• 3D Secure: Additional authentication for card-not-present transactions

5.2 Risk Scoring

Advanced risk assessment:

• Real-time risk scoring for each transaction
• Configurable risk thresholds
• Automated decline of high-risk transactions
• Manual review queue for suspicious activity

5.3 Chargeback Prevention

Proactive chargeback management:

• Pre-chargeback alerts
• Dispute resolution assistance
• Chargeback analytics and reporting
• Best practice recommendations

6. Monitoring and Logging

6.1 24/7 Security Monitoring

Continuous security operations:

• Security Operations Center (SOC): 24/7 staffed monitoring
• SIEM Platform: Centralized security event management
• Automated Alerts: Instant notification of security events
• Threat Intelligence: Real-time threat feed integration
• Incident Response: Rapid response to security incidents

6.2 Audit Logging

Comprehensive activity logging:

• All system access logged
• Transaction audit trails
• Administrative action logging
• Tamper-proof log storage
• Logs retained for minimum 7 years

7. Vulnerability Management

7.1 Security Testing

Regular security assessments:

• Penetration Testing: Quarterly external penetration tests
• Vulnerability Scanning: Automated weekly scans
• Code Reviews: Security-focused code analysis
• Bug Bounty Program: Reward ethical hackers

7.2 Patch Management

Timely security updates:

• Critical patches applied within 24 hours
• Regular system updates
• Testing before production deployment
• Emergency patch procedures

8. Business Continuity

8.1 High Availability

Reliable service delivery:

• 99.99% Uptime SLA: Guaranteed availability
• Load Balancing: Distributed traffic across multiple servers
• Auto-Scaling: Automatic capacity adjustment
• Failover Systems: Automatic failover to backup systems

8.2 Disaster Recovery

Comprehensive backup and recovery:

• Real-Time Replication: Continuous data synchronization
• Automated Backups: Multiple daily backups
• Offsite Storage: Geographically distributed backup locations
• Recovery Testing: Regular disaster recovery drills
• RTO < 1 hour: Rapid recovery time objective
• RPO < 15 minutes: Minimal data loss

9. Compliance and Certifications

We maintain industry-leading security certifications:

• PCI DSS Level 1: Annual certification by QSA
• ISO 27001: Information security management
• SOC 2 Type II: Security, availability, and confidentiality
• GDPR: EU data protection compliance

10. Incident Response

10.1 Incident Response Plan

Structured approach to security incidents:

• Preparation: Trained response team and documented procedures
• Detection: Real-time monitoring and alerting
• Containment: Immediate isolation of affected systems
• Eradication: Removal of threat and vulnerabilities
• Recovery: Restoration of normal operations
• Lessons Learned: Post-incident analysis and improvements

10.2 Breach Notification

Transparent communication:

• Immediate notification of confirmed breaches
• Compliance with legal notification requirements
• Detailed incident reports
• Remediation action plans

11. Employee Security

Security starts with our team:

• Background Checks: All employees undergo security screening
• Security Training: Mandatory annual security awareness training
• Confidentiality Agreements: NDAs for all staff
• Clean Desk Policy: Secure handling of sensitive information
• Insider Threat Monitoring: Behavioral analytics

12. Responsible Disclosure

We welcome security researchers to report vulnerabilities:

• Security Email: hello@axpay.com
• Response Time: Acknowledgment within 24 hours
• Bug Bounty: Rewards for valid security issues
• Safe Harbor: No legal action against responsible disclosure

13. Customer Security

Protecting your account:

• Enable multi-factor authentication
• Use strong, unique passwords
• Keep API keys confidential
• Monitor account activity regularly
• Report suspicious activity immediately
• Keep contact information updated

Security Questions?
Our security team is available to answer questions and provide additional information about our security practices. Contact us at hello@axpay.com