Bank-Grade Payout Security
Secured by 360Shield™ and in compliance with RBI guidelines. We prioritize the protection of your finances and identity above all.
256-bit SSL & TLS 1.3
All network traffic is encrypted using AES-256 standards, ensuring no information is leaked or intercepted during transit.
Device Binding
We bind your user session to your specific mobile IMEI and browser fingerprint, preventing unauthorized account takeovers.
IP Address Monitoring
Our systems continuously log and analyze access IPs to flag anomalous geolocations and intercept suspicious activity.
360Shield™ Fraud Engine
An AI-powered module that screens transactions in real-time, matching transaction sizes, patterns, and historical risks.
Card Data Hashing
Card details are never saved on our servers. We use PCI-compliant tokenized vaults via certified payment processors.
PAN-KYC Name Matching
Transactions require the cardholder name to match the Aadhaar/PAN name on file to prevent proxy card usage.
Session Control
Automatic session termination after 5 minutes of inactivity combined with real-time browser session verification.
RBI & Escrow Compliance
Funds are routed through regulated partner bank Escrow accounts, satisfying RBI requirements for merchant settlements.
Under the Hood: 360Shield™
When a transaction is made on 360payZ, our verification engine runs multiple risk checks. If any parameters fall outside normal ranges, the transaction is immediately locked for multi-factor manual verification.
Risk Scoring
Calculates an instant risk probability using geolocation, card type, and transaction velocity.
Tokenized Vaults
No cardholder details are kept raw. We use industry-standard tokenization protocols.
Penny-Drop Verification
Before completing the payment, we deposit a mock penny in the vendor account to verify ownership.