Security

Security at Baynoy

Payments infrastructure has to assume attackers exist. Here is what protects your money and your data.

[01]

3-D Secure on every card payment

Card payments run with mandatory 3-D Secure authentication — the strongest customer verification card networks offer.

[02]

Card numbers are captured by PCI-certified fields and tokenised at the source; Baynoy systems only ever see tokens.

[03]

Customer balances are held separately from Baynoy's own operating money and reconciled daily against an append-only ledger.

[04]

Passkey-first sign-in with mandatory second factors, step-up verification for sensitive actions, and full session control.

[05]

Crypto deposits and withdrawals are screened before funds move — the screen failing means the movement does not happen.

[06]

Found a vulnerability? Write to [email protected] and we will respond quickly and credit good-faith research.