Enterprise-Grade Security Global Regulatory Discipline
Built with security, compliance, and operational resilience at its core — designed to meet the standards of global enterprises, financial institutions, and regulators.
- Licensed Payments Institution
- Global Compliance-by-Design
- Institutional Governance
Security Philosophy & Governance
ZoikoPay approaches security as a governance discipline, not a checklist.
01
Security-by- Design
Integrated from inception
02
Defense- in-Depth
Integrated from inception
03
Least- Privilege
Integrated from inception
04
Continuous Monitoring
Integrated from inception
05
Human- in- Command
Integrated from inception
Licensing & Regulatory Alignment
PSD2 / Payment Services
European Payment Services Directive compliance
AML / CTF
Anti-Money Laundering frameworks
GDPR & Data Protection
Global data protection compliance
Jurisdictional Regulations
Local payment regulations
Data Security & Encryption
- AES-256 encryption at rest
- TLS 1.2+ in transit
- Encrypted key management
- Segmented environments
Payment Security & PCI
- PCI DSS Level 1 aligned
- Payment data tokenization
- Secure vaulting
- Continuous scanning
Fraud Detection
- AI-driven risk scoring
- Anomaly detection
- Real-time prevention
- Manual escalation
KYC, KYB & AML
- Identity verification
- Risk-based onboarding
- Transaction monitoring
- Watchlist screening
Fund Safeguarding
- Segregated accounts
- Operational separation
- Regular reconciliation
- Partner bank controls
Auditability
- Full transaction logging
- Immutable audit trails
- Role-based access logs
- Regulator-ready reports