Security is a system,
not a certificate.
Do not overclaim. Be precise. Every security measure engineered for real-world operation.
Security Controls
Encryption & Key Management
AES-256 encryption at rest, TLS 1.3 in transit
Tokenization
PCI-compliant vault, token-based card storage
3DS Orchestration
Intelligent step-up, friction optimization
Risk Thresholds
Configurable limits and step-up rules
Audit Trails
Complete routing logs, decision history
Role-Based Access
Granular permissions, SSO support
Operational Truth
If you cannot explain a decline, you cannot fix it.
ZenPays surfaces decline codes, provider responses, routing decisions, and risk triggers. Every transaction has a complete audit trail.
Risk OS
ZenPays risk is built to be operated. We combine device/IP graph intelligence, velocity controls, behavioral signals, issuer feedback, and dispute outcomes into a measurable policy engine.
Risk Ladder
Reason Codes Panel
Velocity limit exceeded: 5+ attempts in 60s from same device
Local acquirer selected for DE-issued card: +4% approval lift
3DS triggered: High-risk merchant category + new customer
Manual review: Device/IP mismatch with billing address
What Your Team Sees
Compliance Notice
- • KYB/KYC required for all merchants
- • Subject to underwriting and jurisdictional constraints
- • Compliance certifications available upon request