Strengthen Security & Compliance
<Stop fraud without stopping good customers.>
Protect sensitive data, reduce fraud risk, and support compliance with IXOPAY. Use Universal Tokens to reduce PCI scope, configurable controls to manage fraud, and Payments Intelligence to monitor VAMP exposure and potential chargebacks.
Security and compliance challenges
As payments move across more channels and providers, protecting cardholder data becomes more complex. Sensitive credentials held in multiple systems increase exposure, while PCI DSS requirements demand ongoing attention. Fraud controls add another challenge: stopping suspicious transactions without unnecessarily blocking legitimate customers. IXOPAY helps you limit sensitive data exposure, configure fraud controls, and monitor disputes and network risk in one payment platform.
$4.44 million
Average global cost of a data breach (IBM, 2025)
Only 14.3%
of organizations maintained full PCI compliance (Verizon, 2024 report)
$4.61
in total costs for every $1 of fraud (LexisNexis, 2025)
How IXOPAY helps
Protect sensitive payment data
Replace card details with merchant-owned Universal Tokens. Keep credentials in the IXOPAY vault to reduce exposure within your systems, while retaining the flexibility to use stored payment data across providers and channels.
Reduce PCI scope with tokenization
Reduce PCI scope by up to 90% by limiting where cardholder data is collected, stored, and transmitted in your environment. The reduction depends on your implementation; you remain responsible for maintaining and validating applicable PCI DSS requirements.
Monitor VAMP and chargeback risk
Use Payments Intelligence to track your Visa Acquirer Monitoring Program (VAMP) ratio, fraud metrics, chargeback activity, and dispute win rates. Configure alerts for changes in key metrics so your team can investigate and respond.
Configure fraud controls for your business
Create risk profiles with IXOPAY’s rules-based Risk Management Engine using transaction value, payment method, geography, user behavior, and block and allow lists. Configure decisions to accept, block, or hold transactions, or integrate supported third-party fraud tools.
Balance protection and conversion
Combine configurable fraud controls with authentication tools such as 3DS to help reduce fraudulent purchases and false declines. Refine your approach to protect revenue while limiting unnecessary friction for legitimate customers.
Act before disputes become chargebacks
Manage Ethoca Alerts and Verifi RDR/CDRN through Payments Intelligence. Review Visa and Mastercard pre-chargeback alerts in one dashboard, respond to potential disputes, and record outcomes to help reduce chargeback escalation and associated fees.
Extend protection to new payment experiences
As customers discover, buy, and pay in new ways, your security approach needs room to evolve. Universal Tokens support payments across channels and providers and can store agent identity alongside customer consent and purchase intent for emerging agentic experiences.
