Real safeguards, not badges.
The measures below run on every payment — the plumbing that lets you move money at speed without cutting corners.
3-D Secure 2
Frictionless authentication on card payments, with step-up challenges only when the risk signals call for it.
Tokenisation
Card and account numbers are replaced with tokens, so raw details are never stored in your systems or ours.
End-to-end encryption
Traffic is encrypted in transit with modern TLS, and sensitive data is encrypted at rest.
Real-time fraud scoring
Machine-learning risk scoring runs on every transaction and resolves before settlement, not after.
AML / KYC & sanctions screening
Sanctions, PEP and watchlist checks run on every party, every time, with cases routed for review.
Role-based access & audit trails
Least-privilege access for your team, with immutable logs of every action on the platform.
Careful with money. Careful with data.
The same discipline that protects a payment protects the information around it. Here's how we treat the data you trust us with.
For how we collect and use personal data, see our Privacy Policy.
Least-privilege access
Access to systems and data is granted on a need-to-know basis and reviewed regularly.
Network isolation
Sensitive workloads run in isolated environments with tightly scoped connectivity.
Continuous monitoring
Systems are monitored around the clock, with alerting on anomalous activity.
Data minimisation
We collect what a payment needs and retain it only as long as required.
Found something? Tell us.
If you believe you've found a security vulnerability, we want to hear from you. Report it privately and we'll work with you to confirm and fix it.
Move fast and stay clean.
Talk to us about how Flower Pay protects your payments, your customers and your data.