Company / Security and trust

Security and trustHow card data, merchant data, and money are protected

Payments buyers ask three questions: where does card data live, who can touch our account, and what happens when something breaks. These are the answers.

Compliance posture.

What is validated today, what is underway, and what is planned, each with its state shown plainly. Nothing here claims more than it holds.

Active
PCI DSS Level 1

Assessed annually by a Qualified Security Assessor as a Level 1 Service Provider, the highest validation tier. Attestation of Compliance available under NDA, and our service provider registry listing can be checked independently.

Active
Quarterly ASV scans

External scans every quarter by an Approved Scanning Vendor, as PCI DSS requires, alongside internal scanning.

Active
AML, sanctions, KYC and KYB

Businesses and beneficial owners screened at onboarding and continuously afterwards, with escalation, case handling, and record retention that meets financial record-keeping rules.

Active
Onboarding audit trail

Every merchant and agent application retains its documents, verification results, decisions, and the person or agent accountable for each one.

In progress
SOC 2 Type II

Security and availability controls tested across a period rather than on a single day.

To confirm
Penetration testing

Cadence, scope across API, portals, and network, retesting after significant change, and whether an executive summary can be shared.

To confirm
Insurance

Cyber liability and errors and omissions cover, with limits. Asked for by bank partners and enterprise procurement before architecture ever comes up.

Roadmap
ISO 27001

International information security management certification.

States are reviewed each quarter. A claim moves to Active only when the evidence exists and can be shared.

Compliance programs.

Underwriting merchants and moving money brings obligations that outlast any single audit.

AML and sanctions

Screening of businesses and beneficial owners at onboarding and continuously afterwards, escalation and case handling, and record retention that meets financial record-keeping rules. Partners will want the program described, not just claimed.

People controls

Background checks before access is granted, security training on joining and annually, and access removed the day someone leaves. Most incidents start here rather than in the code.

Vendor due diligence

How providers who touch merchant or cardholder data are assessed before onboarding and reviewed afterwards.

How card and merchant data is handled.

Practices rather than certificates, and the questions that come up in every security review.

01Tokenization and the vault

Card details are tokenized on capture and held in the High Wire vault. Some processors share network tokens with us and some return their own reference instead, so we tell each merchant which applies to their processors. We are moving toward requesting network tokens ourselves, before a payment reaches any processor.

02PCI scope by checkout type

High Wire Checkout and Components keep card data off your servers. API checkout means card data passes through you, which changes which self-assessment questionnaire applies to your business. We will tell you which one before you build. See the detail Preview.

03Encryption and key management

Encryption in transit and at rest, where keys live, who can reach them, and how often they rotate. Publish the standards rather than the word "encrypted".

04Where data is stored

Which providers process and store merchant and cardholder data, and what can be pinned to a region on request.

05API and webhook security

Scoped keys with separate sandbox and live credentials, key rotation without downtime, signed webhooks with replay protection, and rate limiting. The things an engineer checks before writing any code.

06Agentic decisions

Which data AI agents can reach, what is logged for every decision, what requires human approval, and whether customer data is ever used to train models. Increasingly the first question enterprise reviewers ask.

What we keep, and for how long.

Payments records cannot simply be deleted on request. Anti-money-laundering and financial record-keeping rules require onboarding files, verification results, and transaction history to be retained for years after an account closes, and those obligations override a deletion request.

Cardholder data is processed on behalf of merchants, so requests from a cardholder come through the merchant under the agreement rather than directly to us. Merchants can export their own data at any time, and we say plainly what stays behind afterwards.

DataHeld becauseDeletable
Onboarding and verification filesIdentity documents, ownership, screening resultsRecord-keeping rulesretained
Transaction and settlement historyAuthorizations, refunds, disputes, payouts, feesRecord-keeping and dispute windowsretained
Card numbersReplaced by tokens at captureNot stored in the cleartokenized
Stored credentials for a closed accountCards on file once processing endsNo longer neededremoved
Portal users and accessStaff accounts, roles, sessionsAccess controlremoved on request
Marketing and website dataAnything not part of providing the serviceSeparate from payment recordsremoved on request

Access, availability, and what happens when something breaks.

Most security incidents in payments are not exotic. They are an old employee account, a shared password, or a webhook nobody was watching. The controls below are aimed at exactly that.

ControlApplies toStatus
Role-based accessLeast privilege per portal role, for merchants, agents, and platformsAll portalsin product
Audit logsWho changed routing, refunds, payouts, or bank details, and whenAll portalsin product
Bank detail changesVerification before payouts move to a new accountPayoutsin product
Incident responseNotification commitments and escalation contactsPlatform
Responsible disclosureWhere researchers report issues, and response targetsPlatform

Ask us the hard questions.

Security reviews and questionnaires are answered by the team that runs the platform.