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Card Payment Security at Hello Clever

At Hello Clever, we know that security is critical to building trust with your customers. Card payment security is at the core of our approach, and we’re dedicated to keeping every transaction safe, secure, and seamless. We’ve implemented comprehensive security measures that include encryption, 3DS2 authentication, tokenisation, and active fraud monitoring to provide a reliable and secure payment environment.

While we’re actively working towards PCI-DSS (Payment Card Industry Data Security Standard) certification, our platform currently follows PCI guidelines and protocols to ensure the highest level of security for your card payments. Here’s how Hello Clever’s security measures benefit your business and protect your customers.

Advanced Encryption: Securing Data in Transit and at Rest​

Every transaction begins with end-to-end encryption, protecting data both while it’s being transmitted (in transit) and when it’s stored (at rest). Our encryption protocols ensure that sensitive card data is safe from interception and tampering.

  • Encryption in Transit: Card information is encrypted the moment it’s entered, protecting it from interception during the transmission process.
  • Encryption at Rest: Even when data is stored, it remains encrypted and shielded from unauthorised access, adding an extra layer of security for peace of mind.

With our advanced encryption practices, your customers’ data is secure at every stage of the transaction.

3D Secure 2 (3DS2): Enhanced Security for Online Payments​

3D Secure 2 (3DS2) adds an additional layer of protection for online payments by verifying the cardholder’s identity. This means safer transactions and more peace of mind for both you and your customers.

  • Additional Customer Verification: 3DS2 requires customers to complete a verification step, such as entering a one-time password (OTP) or using biometric authentication, ensuring that the person completing the transaction is the authorised cardholder.
  • Reduced Chargebacks: By verifying identity upfront, 3DS2 reduces the risk of fraud and chargebacks, helping to protect your business financially.
  • Improved Customer Confidence: With 3DS2, customers feel more secure about online payments, making them more likely to complete transactions.

Adding 3DS2 protection strengthens security, builds customer trust, and reduces the risk of unauthorised payments.

Card Tokenisation: Safeguarding Sensitive Information​

Tokenisation replaces sensitive card data with a unique, randomly generated token that’s useless to anyone outside our secure environment. This tokenised data means that card information is never directly stored or transmitted, significantly reducing the risk of theft.

  • Secure Repeat Payments: Tokenisation is especially useful for businesses offering subscriptions or repeat billing, as it allows secure repeat payments without requiring customers to re-enter their card details.
  • Enhanced Data Security: By replacing sensitive data with tokens, tokenisation minimises the chance of data exposure and aligns with best practices for safe card handling.

With tokenisation, your business can handle repeat transactions confidently, providing a secure and convenient experience for customers.

Adherence to PCI Security Standards​

We take PCI-DSS compliance very seriously and are committed to aligning with the security standards outlined by the Payment Card Industry. Our systems are built to follow PCI protocols, and we are continually enhancing our security measures to meet PCI guidelines.

  • Adherence to Industry Standards: While we work towards full certification, we’re implementing PCI-compliant practices for encryption, access control, and data protection to keep transactions secure.
  • Regular Security Reviews: We regularly review our protocols and conduct security assessments to ensure that our platform upholds PCI standards, and we stay updated on changes in compliance requirements.

By adhering to PCI standards, we ensure that every transaction on our platform is handled with the highest level of security, providing you and your customers with confidence.

Active Fraud Monitoring: Real-Time Protection Against Fraud​

Fraud prevention is essential to maintaining secure transactions. Our fraud monitoring system continuously scans transactions for suspicious activity, using sophisticated algorithms to detect and block potential fraud.

  • Real-Time Monitoring: Our system reviews transactions as they happen, allowing us to respond quickly to any unusual activity.
  • Machine Learning for Enhanced Detection: We leverage machine learning to adapt to new fraud tactics, ensuring that our fraud detection remains effective and up-to-date.
  • Risk Scoring: Every transaction is assigned a risk score based on transaction history and behavioural patterns, allowing us to flag high-risk transactions for further review.

With our active fraud monitoring, your business is protected from fraudulent activity, ensuring a safer transaction environment for your customers.

How Hello Clever’s Security Benefits Your Business​

With our multi-layered approach to security, Hello Clever provides a secure and reliable platform that lets you focus on growing your business. Here’s how you benefit:

  • Enhanced Customer Trust: Customers feel more comfortable making payments on a secure platform, leading to higher conversions and repeat business.
  • Reduced Financial Risk: Fraud monitoring, tokenisation, and 3DS2 protection all help to minimise chargebacks and protect your business from financial losses.
  • Confidence in Security Standards: While we work toward full PCI certification, our commitment to aligning with industry standards offers a secure experience for you and your customers.
  • Streamlined Repeat Payments: With tokenisation, handling repeat transactions is safe and convenient, making it easier to build long-term customer relationships.

At Hello Clever, we’re dedicated to providing the highest level of card payment security. Our encryption, fraud monitoring, and adherence to PCI guidelines create a secure environment that helps your business build trust and grow confidently.

Ready to experience secure payments with Hello Clever? Visit our Getting Started Guide to learn more about setting up with our platform. For any questions, feel free to reach out—our team is here to help you keep every transaction secure.