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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
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.
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.
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).
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.
Official Banking Partner
Direct corporate settlements and wire transfers are processed through NatSave (National Savings and Credit Bank of Zambia) with enterprise-grade financial encryption and SWIFT interbank security.
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.
We believe in complete transparency regarding the information we retain for accounting and support versus what we strictly discard.
Our security team is available to answer compliance questions, provide documentation, or discuss our architecture in detail.
Last updated: October 3, 2026 · SMSYou Technology Limited