Security & Payment Assurance
At SEPIVEL, platform security and payment integrity are engineered to the highest international standards. Our virtual POS and checkout architectures follow strict zero card data retention principles and run on licensed, audited payment gateways.
1. 256-Bit SSL/TLS 1.3 Cryptographic Encryption
Every page, transaction endpoint, and administrative API call across the SEPIVEL platform is secured with an industry-standard 256-bit SSL/TLS 1.3 cryptographic certificate. All network traffic between client browsers and our Edge servers is shielded against eavesdropping and tampering.
2. Zero Card Data Footprint (Strict PCI-DSS Compliance)
Cardholder primary account numbers (PAN), expiration dates, and CVV security codes are never received, processed, stored, or logged on Sepivel servers or databases.
All payment card input fields are rendered via secure, hosted iframe integrations or direct redirects provided by licensed, PCI-DSS Level 1 certified payment processors (such as iyzico and Stripe). Sepivel handles only tokenized transaction identifiers and status notifications.
3. Mandatory 3D Secure Verification
To safeguard both cardholders and merchants against fraud and unauthorized chargebacks, transactions are authenticated through the mandatory 3D Secure protocol (Verified by Visa, Mastercard Identity Check, and American Express SafeKey). Payments are finalized only upon one-time SMS or banking app biometric authorization.
4. PCI-DSS Level 1 Certified Infrastructure
All payment partner gateways integrated into the platform maintain PCI-DSS (Payment Card Industry Data Security Standard) Level 1 certification—the highest security accreditation in the global payments industry. Compliance is re-certified annually via third-party penetration testing and vulnerability assessments.
5. Intelligent Anti-Fraud & Risk Guard
Payment requests undergo automated real-time fraud screening, including suspicious IP reputation checks, aggressive rate limiting, transaction velocity analysis, and behavioral risk scoring. High-risk attempts are rejected immediately to protect merchant store integrity.
6. Multi-Tenant Database Isolation
Merchant stores and customer records are isolated using PostgreSQL Row-Level Security (RLS) policies. Every query is strictly constrained to its authenticated tenant scope, eliminating cross-tenant data leakage risks.