A: We take data security very seriously. We employ state-of-the-art security measures, including encryption and secure servers, to protect your data and transactions. Our dedicated compliance team regularly conducts audits and compliance checks. They stay abreast of changes in regulations like PCI DSS, PSD2, GDPR, and TCPA, ensuring that our procedures and systems are always up-to-date and compliant.

If you’re interested in learning more about our dedicated security practices, please visit here.

A: As part of our commitment to secure online transactions, we implement strong customer authentication protocols as outlined in the Revised Payment Service Directive (PSD2). This approach ensures a high level of security for our customers during online banking and payment transactions.

A: In line with the Telephone Consumer Protection Act (TCPA), we have strict protocols in place for all our communication activities. This includes obtaining prior express consent for promotional calls or messages, maintaining an internal Do-Not-Call list, and promptly honoring opt-out requests.

A: PlatformPay.io holds various third-party certifications through partners such as Kount and G2 Risk Solutions.

We also utilize Secure Socket Layer (SSL) Certificates to authenticate website identities and create encrypted connections, ensuring that customer information is kept private and secure. For businesses handling credit card transactions, we help achieve PCI compliance—an industry standard set by the Payment Card Industry Security Standards Council (PCI SSC)—and go beyond with advanced fraud protection for merchant accounts.

We support 3D Secure payment processing, a system developed by Visa to confirm the authenticity of credit card transactions between merchants and banks. We also work with MaxMind, a database that provides tools like GeoIP and the minFraud Network to identify and alert merchants of suspicious activity, further safeguarding your merchant account.

A: Yes, PlatformPay.io is PCI DSS Level 1 Compliant, the highest level of certification for payment processors. PCI compliance is a set of security standards established by the Payment Card Industry Security Standards Council (PCI SSC) to protect credit card transactions. In addition to managing all billing processes securely, our merchant account fraud protection goes beyond basic PCI compliance, ensuring a highly secure transaction environment for our clients.

A: PlatformPay.io implements robust fraud protection measures to ensure that merchants and their customers are safeguarded during every transaction. We protect merchants from credit card theft, fraud, and unfair chargebacks by leveraging the secure payment gateways of our acquiring banking partners.

Our anti-fraud controls include Telephone Order Verification, the Address Verification System (AVS), a Fraudulent Customer Historical Database, and customer blocking capabilities. We prioritize fraud mitigation to build trust and ensure safe, secure digital transactions for all stakeholders.

A: We underwrite the risk for every client and campaign we onboard, similar to other PSPs in the industry. During the onboarding process, we conduct standard applications to better understand the merchant, assess the risks associated with their business, and review how they acquire customers and generate sales. We also evaluate their current performance metrics before proceeding with approval or deciding to move forward with the partnership.

A: How we use the data depends on how it’s provided and the campaign objectives. For instance, if we’re scheduling future subscriptions, the data is securely vaulted on our end and used at a future date—for example, 45 days after a customer’s initial purchase when they gain access to a VIP or Membership portal. In such cases, we keep billing credentials on file to grant access.

In other cases, we may receive a live data feed (potentially hashed) from the merchant to forecast future subscription revenue or help them monetize their data. We also help clients better understand their data using AI, identifying patterns, geographic trends, and customer behavior. This insight allows merchants to introduce new products, enhance customer loyalty, and optimize sales strategies.

A: We understand the importance of data privacy, and this concern is addressed directly in our data agreement. Your customers and data are the lifeblood of your business, and we fully respect and protect that. Trust is essential to our partnerships, and maintaining our reputation in the industry is critical to us.

Our focus is on generating value through low-ticket subscriptions and Members Area portals, which are our areas of expertise. We optimize retention and scale campaigns effectively, ensuring the most profitable outcome for both our clients and us—without ever compromising or reselling your data.

A: We provide access to our in-house counsel for questions on billing compliance, best practices for recurring or subscription transactions, and data storage mechanisms. Additionally, every campaign we support includes key compliance features such as:

SSL Certificates: We ensure your website has a Secure Socket Layer (SSL) Certificate to authenticate your site’s identity and keep customer information private and secure.

PCI Compliance: PlatformPay.io helps you adhere to the security standards set by the Payment Card Industry (PCI) SSC to protect credit card transactions, going beyond PCI compliance with robust fraud protection.

3D Secure Processing: This Visa-created system verifies transactions between merchants, banks, and credit card issuers for enhanced security.

MaxMind Fraud Protection: Using features like GeoIP and the minFraud Network, MaxMind protects your merchant account from suspicious activity.

A: For the merchants and clients we work with, there is no risk of losing or compromising your existing processing, as the low-ticket subscription is fully supported by us. Advertiser clients are also not at risk of losing accrued money from settled transactions, as reserves are released on a rolling basis every six months.

We take on the responsibility of absorbing and managing the risk. This includes underwriting the campaign, analyzing data, making necessary adjustments, and optimizing based on benchmarks and norms within our risk parameters.

A: We take full responsibility for absorbing and managing risk with respect to our service and deliverable, whether a campaign or client is classified as high-risk or low-risk. This process involves underwriting every campaign, analyzing data, and making necessary adjustments to optimize performance based on industry benchmarks and our internal risk parameters.

We manage risk by leveraging historical metrics, comparing them to larger data sets when available, and utilizing AI and predictive models to ensure performance stays within acceptable ranges, and using 3rd party industry standard tools. Our team of analysts continuously monitors for patterns or abnormalities, allowing us to address any concerns and mitigate risk proactively.

A: PlatformPay.io operates in full compliance with industry regulations and legal standards. We ensure that every subscription service, payment process, and data handling method meets the necessary legal requirements. Our compliance measures include PCI DSS Level 1 certification, which guarantees secure transaction environments for both merchants and customers. We also offer SSL certificates to authenticate websites and protect customer data.

Additionally, we collaborate with in-house legal counsel to ensure all recurring billing practices, data storage mechanisms, and subscription transactions align with best practices and applicable regulations. Our team closely monitors each campaign to maintain legal and compliance standards, minimizing any potential legal risks.

A: In the event of a shutdown, PlatformPay.io has protocols in place to ensure minimal disruption to merchants and advertisers. We prioritize maintaining a smooth and transparent process, ensuring that funds for settled transactions remain secure and are not at risk of being lost. In such scenarios, our team will immediately communicate with all affected clients, providing guidance and support to navigate the situation.

We will work to resolve any issues promptly, including transferring operations, payments, or data to another compliant processor if necessary. Additionally, funds accrued from subscriptions or transactions would remain in the merchant’s account, as reserves are released on a rolling basis. Our primary goal is to mitigate risk and ensure continuity for all clients. Rest assured, any actions taken will align with industry best practices to safeguard your business interests.