Security & Risk
<Protect sensitive data. Manage risk. Keep business moving.>
As commerce moves across more channels and providers, protecting data and managing fraud become more complex. Your business needs safeguards that support legitimate customers and fit the way you operate. IXOPAY brings together risk and fraud tools, 3DS authentication, PCI scope reduction, and data tokenization to help you strengthen security while keeping control of your payment and data workflows.
Less exposure. Stronger protection. More control.
Protect sensitive information
Replace payment credentials and supported personal data fields with tokens to reduce exposure across your systems.
Balance fraud prevention and conversion
Use configurable risk rules and cardholder authentication to help reduce fraud without adding unnecessary friction.
Simplify your compliance effort
Limit where cardholder data is handled to reduce PCI scope and focus your security resources.
Catch issues early
Machine learning flags what moves outside normal. Alerts reach your team in-platform, by email or in Slack.
Tokenization & Card Lifecycle
Configure fraud controls around your business.
Use IXOPAY’s Risk Management Engine or integrate supported third-party fraud tools to manage risk alongside your payment operations.
• Create risk profiles using transaction value, payment method, geography, and other criteria
• Set thresholds and rules to accept, block, or hold transactions
• Review transaction data and risk scores to refine your approach
Authenticate cardholders while managing checkout friction.
Use 3D Secure to support cardholder verification for online payments, with frictionless or challenge flows depending on the issuer’s assessment.
• Support Strong Customer Authentication requirements where applicable
• Exchange transaction context to help issuers assess authentication risk
• Qualify for fraud liability shifts on eligible transactions, subject to scheme rules
Make compliance more manageable by reducing card data exposure.
Use tokenization and secure collection methods to reduce the systems that handle cardholder data and help simplify your PCI DSS compliance program.
• Store token references instead of sensitive card details
• Limit cardholder data handling within your payment environment
• Reduce the compliance workload associated with a larger cardholder data environment
Extend tokenization beyond payment credentials.
Replace supported personal information with non-sensitive tokens, keeping original values securely vaulted and available through authorized processes.
• Tokenize Social Security numbers, birthdates, and other supported structured fields
• Use token references in internal systems to reduce copies of sensitive data
• Retrieve or securely forward original values when an authorized workflow needs them
Connect payment activity across different tokens and channels.
Use a non-sensitive reference to link transactions associated with the same card account, even when different payment tokens are used.
• Build a clearer view of card-account activity across channels
• Support loyalty and customer insights without using raw card numbers
• Add context to help detect multi-account and promotional fraud
Protect in-person payments from the moment the card is read.
Encrypt card data at supported payment devices and keep it protected until it reaches IXOPAY’s secure decryption environment.
• Reduce PCI scope with a PCI-validated P2PE solution
• Preserve processor choice for your in-person payment setup
• Receive Universal Tokens to connect in-person and online payment data
