Compliance & Keys

    The controls and credentials to go live

    KYC/AML, PCI-DSS and SOC 2 controls, plus the production API keys and audit tooling you need to operate a regulated financial product.

    KYC & KYB

    Identity verification for individuals and businesses with document capture and liveness checks.

    AML Monitoring

    Transaction monitoring, sanctions and PEP screening, and suspicious activity reporting.

    PCI-DSS

    Tokenized card handling in a PCI-DSS Level 1 environment so you never touch raw PAN data.

    SOC 2 Controls

    Security, availability and confidentiality controls aligned with SOC 2 requirements.

    Production API Keys

    Scoped keys per environment (sandbox and production) with rotation and audit history.

    Audit Logs

    Immutable logs for every API call, admin action and money movement across the platform.

    What you get

    This page describes controls available through SecurePaymentz. It is not a certification or legal advice; talk to our team for program-specific documentation.

    Sponsor-bank compliance program alignment
    Role-based access and separation of duties
    Encryption in transit (TLS 1.2+) and at rest (AES-256)
    Sandbox keys on day one, production keys on go-live
    Ongoing compliance reviews and reporting support
    Compliance is not a checkbox at the end of a project — it is the operating system underneath every regulated financial product. KYC, AML, PCI-DSS, SOC 2, and secure key management determine whether your platform survives its first audit, its first fraud incident, and its first regulator inquiry. Getting this right early is dramatically cheaper than retrofitting it later.

    KYC and AML: who your customers really are

    Know Your Customer (KYC) is the process of verifying that the person or business opening an account is who they claim to be. Anti-Money Laundering (AML) is the ongoing monitoring that detects suspicious patterns after onboarding — structuring, rapid pass-through, sanctioned counterparties, and behavioral anomalies.

    A mature program combines document verification, biometric liveness checks, sanctions and PEP screening, transaction monitoring rules, case management, and SAR filing workflows. It also generates the paper trail that examiners will ask for years later.

    PCI-DSS, SOC 2, and the certifications that unlock partners

    If your platform touches card data, PCI-DSS is non-negotiable. The good news is that using a certified processor and tokenization dramatically reduces your own scope — often to SAQ A rather than a full ROC. SOC 2 Type II, meanwhile, is the report most banking and enterprise partners will ask for before they will sign a contract with you.

    • KYC document, biometric, and sanctions screening in one flow
    • Ongoing AML transaction monitoring with tunable rules
    • PCI-DSS scope reduction through tokenization and network-level card data
    • SOC 2 Type II controls mapped to product features
    • Audit-ready logs with immutable, time-stamped evidence

    Secure key management: the part no one sees until it breaks

    API keys, signing keys, encryption keys, and webhook secrets are the crown jewels of any banking integration. Leaked keys have been the root cause of most publicly reported fintech breaches in the last decade. A serious platform uses hardware-backed key storage, short-lived credentials, rotation on a defined schedule, and strict separation between production and non-production environments.

    Frequently asked questions

    Do you handle KYC in-house?

    We integrate with best-in-class KYC vendors and orchestrate the flow, so you get a single API and consistent case management regardless of provider.

    Are you PCI-DSS compliant?

    Yes, and the architecture is designed to keep customer platforms out of scope wherever possible through tokenization.

    How are API keys managed?

    Keys are issued per environment, rotatable, scoped, and stored in a hardware-backed vault. All key events are logged for audit.