Security and compliance
At Payrails, security, privacy, and compliance aren’t afterthoughts — they’re core to how we design and operate the modular payment operating system that powers modern enterprise payment operations.
Our platform gives businesses the freedom, visibility, and control they need to orchestrate, optimize, and scale payments across global markets — and safeguarding customer data and operational integrity is foundational to that promise.
Our security philosophy
Security by design
Security is embedded into every product and workflow from development through delivery.
Modularity with safeguards
Even as Payrails enables you to compose the financial infrastructure you need, we build each component with strong protections and clear boundaries.
Provider-agnostic resilience
Our systems abstract third-party dependencies securely, so your infrastructure remains robust without sacrificing flexibility.
Trust and transparency
We work to be clear about our controls and responsibilities and support partners and customers with documentation under NDA.
Compliance Standards
GDPR
Payrails is designed to support compliant data processing under the EU General Data Protection Regulation. Our privacy practices ensure lawful handling of personal data and help our customers meet their data protection obligations.
PCI-DSS (Level 1)
We understand how crucial card-data security is for enterprise payment operations. Payrails maintains PCI-DSS Level 1-compliant controls — including a PSP-agnostic token vault that minimizes PCI scope and enables secure tokenization and detokenization of card data.
Data protection and privacy controls
Protecting customer and payment data is a foundational principle of Payrails’ security program. We implement layered controls to ensure data confidentiality, integrity, and secure access across our platform.
Encryption everywhere
Sensitive data is encrypted both in transit using TLS 1.2 or higher and at rest using strong encryption provided by our underlying data stores. We apply industry-standard encryption algorithms and protocols across our infrastructure to ensure data remains protected throughout its lifecycle
Secrets and key management
Encryption keys and sensitive secrets are securely managed using AWS Key Management Service (KMS). This hardened service safeguards cryptographic key material and enforces strict access controls. Keys are regularly rotated in accordance with security best practices to minimize risk of exposure.
Least-privilege access
Access to systems and sensitive data is strictly limited based on the principle of least privilege. Permissions are granted only to individuals with a defined business need and are subject to regular access reviews, conducted at least quarterly, to ensure access remains appropriate.
Secure development and infrastructure
Secure by default engineering
Security is embedded throughout our software development lifecycle to ensure our platform is built and operated securely from the ground up. Our engineering practices include:
- Code reviews and automated testing to maintain code quality and detect issues early in the development process
- Environment isolation, with strict separation between development, staging, and production systems (additional isolation for our Token Vault offering dealing with card-holder data) to protect production integrity
- Dependency scanning and patch management to identify outdated or vulnerable libraries and ensure systems remain up to date
- Software Composition Analysis (SCA) to detect and remediate vulnerabilities within third-party components and our software supply chain
- Static and dynamic application security testing (SAST/DAST) performed regularly to identify potential vulnerabilities in code and running applications
Product security
Payrails performs regular internal and external penetration tests and vulnerability assessments as part of our ongoing security program and to maintain PCI-DSS compliance. These assessments are conducted by independent, reputable security firms to proactively identify and remediate potential vulnerabilities.
In addition, our PCI Approved Scanning Vendor (ASV) scans are conducted in accordance with PCI requirements and consistently return clean results with no outstanding findings.
Due to the confidential nature of these reports, detailed results cannot be shared publicly. However, executive summaries of the most recent assessments may be shared with prospective customers under appropriate confidentiality agreements.
Infrastructure security
Our platform operates on resilient cloud infrastructure with multiple layers of protection. Security controls include network segmentation, firewall protections, centralized logging, and continuous monitoring to detect and mitigate potential threats across our environment.
Enterprise security
Payrails implements strong enterprise security controls to protect internal systems, employee endpoints, and corporate data. Our internal security program focuses on robust identity management, secure device posture, and continuous employee security awareness.
Identity and access management
Access to internal systems is managed through centralized identity providers with Single Sign-On (SSO) and Multi-Factor Authentication (MFA) enforced across all services. Permissions follow the principle of least privilege and are granted through role-based access control (RBAC). Access is regularly reviewed, and onboarding/offboarding processes ensure timely provisioning and removal of access.
Endpoint and device security
All company-issued devices are centrally managed through Mobile Device Management (MDM) solutions. Security policies enforce full-disk encryption, device hardening, automated updates, endpoint protection, and remote lock or wipe capabilities for lost or compromised devices.
Security awareness
All employees complete mandatory security and data protection training, covering phishing awareness, secure handling of sensitive data, authentication best practices, and incident reporting procedures. Regular refreshers help maintain a strong security-first culture across the organization.
Operational security
Internal systems are supported by centralized logging, monitoring, and defined security policies governing device use, access control, and acceptable use to ensure a secure operating environment.
Responsible disclosure
We ask that you:
- Do not exploit the vulnerability beyond what is necessary to confirm its existence
- Do not access, modify, or delete customer data
- Do not publicly disclose the issue until we have had a reasonable opportunity to investigate and remediate
We commit to:
Reviewing all legitimate reports promptly and to working collaboratively with reporters to resolve verified issues responsibly.
