Security | Noxipay — Professional Payment Solutions

Security Overview

Security is at the core of everything we do at Noxipay. We provide enterprise-grade security features to protect your business and your customers' data. Our platform is PCI DSS Level 1 compliant and implements industry-leading security measures.

Security Features

PCI DSS Compliance

Level 1 PCI DSS certified for the highest security standards

Tokenization

Replace sensitive card data with secure tokens

Encryption

End-to-end encryption for all data transmission

Fraud Detection

Advanced machine learning algorithms to detect fraud

Data Protection

We protect your data using multiple layers of security:

Encryption

In Transit: TLS 1.2+ encryption for all API communications
At Rest: AES-256 encryption for stored data
Key Management: Hardware Security Modules (HSMs) for key storage
Certificate Pinning: Prevent man-in-the-middle attacks

Tokenization

Replace sensitive card data with secure tokens:

                            Create Token
                        

                            curl -X POST https://api.noxipay.com/v1/tokens \
  -H "Authorization: Bearer pk_live_your_publishable_key" \
  -H "Content-Type: application/json" \
  -d '{
    "card": {
      "number": "4242424242424242",
      "exp_month": 12,
      "exp_year": 2025,
      "cvc": "123"
    }
  }'
                        

Token Response

                            Token Response
                        

                            {
  "id": "tok_1234567890",
  "card": {
    "brand": "visa",
    "last4": "4242",
    "exp_month": 12,
    "exp_year": 2025
  },
  "created": "2024-01-15T10:35:00Z"
}
                        

Fraud Prevention

Advanced fraud detection and prevention tools:

Risk Assessment

Every transaction is automatically assessed for risk using:

Device Fingerprinting: Analyze device characteristics
Behavioral Analysis: Detect unusual spending patterns
Geolocation: Verify transaction location
Velocity Checks: Monitor transaction frequency
Machine Learning: Advanced pattern recognition

3D Secure Authentication

Implement 3D Secure for additional authentication:

                            3D Secure Payment
                        

                            <?php
$noxipay = new Noxipay('sk_live_your_secret_key');

$payment = $noxipay->payments()->create([
    'amount' => 2500,
    'currency' => 'EUR',
    'source' => 'tok_1234567890',
    'three_d_secure' => [
        'enabled' => true,
        'required' => 'automatic'
    ]
]);
                        

Risk Levels

Transactions are assigned risk levels:

🟢 Low Risk

Standard processing with minimal friction

🟡 Medium Risk

Additional verification may be required

🔴 High Risk

Enhanced verification or manual review

⚫ Blocked

Transaction blocked due to fraud indicators

API Security

Secure your API integrations:

Authentication

API Keys: Use strong, unique API keys
Key Rotation: Regularly rotate your API keys
Scope Limitation: Use keys with minimal required permissions
Environment Separation: Use different keys for test and live environments

Request Signing

Sign requests for additional security:

                            Request Signing
                        

                            <?php
function signRequest($method, $url, $body, $secret) {
    $timestamp = time();
    $payload = $method . $url . $body . $timestamp;
    $signature = hash_hmac('sha256', $payload, $secret);
    
    return [
        'X-Noxipay-Timestamp' => $timestamp,
        'X-Noxipay-Signature' => $signature
    ];
}
                        

Webhook Security

Secure your webhook endpoints:

Signature Verification

Always verify webhook signatures:

                            Webhook Verification
                        

                            <?php
function verifyWebhook($payload, $signature, $secret) {
    $expectedSignature = 'sha256=' . hash_hmac('sha256', $payload, $secret);
    return hash_equals($expectedSignature, $signature);
}

// Verify incoming webhook
$payload = file_get_contents('php://input');
$signature = $_SERVER['HTTP_X_NOXIPAY_SIGNATURE'];
$secret = 'your_webhook_secret';

if (!verifyWebhook($payload, $signature, $secret)) {
    http_response_code(400);
    exit('Invalid signature');
}
                        

HTTPS Requirements

All webhook endpoints must use HTTPS
Valid SSL certificates are required
Certificate must not be self-signed
Minimum TLS 1.2 is required

Compliance

We maintain compliance with industry standards:

PCI DSS

Level 1: Highest level of PCI DSS compliance
Annual Audits: Regular security assessments
Penetration Testing: Regular security testing
Vulnerability Scanning: Continuous monitoring

GDPR Compliance

Data Minimization: Collect only necessary data
Right to Erasure: Support for data deletion requests
Data Portability: Export customer data
Privacy by Design: Built-in privacy protections

Security Best Practices

Follow these security best practices:

🔐 Secure Development

Follow secure coding practices and regular security reviews

🔑 Key Management

Use strong, unique API keys and rotate them regularly

🌐 HTTPS Everywhere

Use HTTPS for all communications and webhook endpoints

📝 Logging

Implement comprehensive logging for security monitoring

🛡️ Input Validation

Validate all input data before processing

🔄 Regular Updates

Keep your systems and dependencies up to date

Incident Response

In case of security incidents:

Detection

24/7 security monitoring
Automated threat detection
Real-time alerts for suspicious activity

Response

Immediate containment of threats
Forensic analysis of incidents
Customer notification when required

Recovery

System restoration procedures
Data recovery capabilities
Lessons learned documentation

Security Resources

Additional security resources:

Security Documentation: Detailed security guides
Security Training: Educational materials for developers
Security Updates: Regular security bulletins
Vulnerability Reporting: Responsible disclosure program

Next Steps

Authentication

Learn about API authentication

Webhooks

Secure webhook implementation