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Security & Compliance

Enterprise-Grade
Payment Security

SMSYou maintains the highest standards of payment card security using industry-leading encryption protocols and strict PCI DSS compliance.

SAQ-D Compliant

Verified Status

Level 4

Merchant Level

SAQ-D

Compliance

Annual

Validation

Zero Trust Architecture

Our checkout experience is designed around the principle of zero trust. When you enter your card details, they are encrypted directly inside your browser before they ever leave your device.

  • Military-grade AES-256-GCM encryption
  • RSA-2048 key wrapping
  • No raw card data traverses our network
Step 01

Client-Side Envelope Encryption

We ensure a seamless, native checkout experience without redirecting you to third-party pages, while maintaining absolute security. Your sensitive data is locked before it even hits the internet.

Transient Processing

To securely route your payment to our PCI-certified gateway, our servers hold the decrypted data for less than a millisecond in volatile memory (RAM).

  • Never written to disk or databases
  • Never stored in server logs
  • Memory is programmatically zeroed after use
Step 02

Zero Data Persistence

We built our infrastructure so that sensitive cardholder data physically cannot be stolen from our databases, because it is never saved there in the first place.

DPO Pay

Payment Gateway Partner

All final card processing is handled by DPO Pay, one of Africa's largest PCI DSS Level 1 certified payment service providers, covering 54+ African countries.

PCI DSS Level 1
3D Secure 2.0
Fraud Detection
TLS 1.3 Transport
Step 03

Level 1 Processing

Once decrypted securely in-memory, the raw card data is immediately forwarded to our PCI DSS Level 1 partner for processing, ensuring compliance with global banking standards.

Clear Data Policies

We believe in complete transparency regarding the information we retain for accounting and support versus what we strictly discard.

What We Keep

Transaction reference numbers
Transaction amounts & currencies
Payment status (success / failed)
Last 4 digits only (e.g., ****1234)
Transaction timestamps

Never Stored

Full primary account numbers (PAN)
CVV / CVC security codes
Card expiry dates
Magnetic stripe / chip data
PIN numbers

Questions About Our Security?

Our security team is available to answer compliance questions, provide documentation, or discuss our architecture in detail.

Last updated: July 28, 2026 · SMSYou Technology Limited