Security and Fraud Prevention for Every Transaction
RoxPay combines PCI DSS Level 1 certification, 3D Secure 2.0, AI-powered fraud detection, and end-to-end tokenization to protect your business and your customers. Reduce chargebacks, block fraud, and maintain compliance.
Security Challenges We Solve
Rising Payment Fraud
Card fraud costs European businesses billions annually. Static rules and manual reviews fail to catch sophisticated attacks, leaving merchants exposed to chargebacks and reputational damage.
AI Fraud Detection
RoxPay's machine learning analyzes IP, device fingerprint, velocity, and behavioral patterns in real time. Fraud is blocked before the charge — reducing losses and chargeback rates by up to 80%.
PCI DSS Compliance Burden
Handling card data directly means expensive audits, complex SAQs, and constant compliance overhead. Many merchants underestimate the scope and cost of PCI DSS requirements.
Managed Tokenization
Card data never touches your servers. RoxPay tokenizes and stores all sensitive data in our PCI DSS Level 1 certified vault. You complete a simplified SAQ and reduce your compliance scope to the minimum.
Checkout Friction from 3DS
Always-on 3D Secure adds OTP steps to every transaction, increasing abandonment by 30–40%. Balancing security and conversion is a constant trade-off for merchants.
Dynamic 3D Secure 2.0
3D Secure is triggered only when risk exceeds your configured threshold. Low-risk transactions proceed without OTP. Result: PSD2-compliant strong authentication with up to 40% fewer checkout drop-offs.
Chargeback and Dispute Chaos
Managing chargebacks requires timely evidence, correct documentation, and strict deadlines. Many merchants lose disputes due to inadequate processes or missing proof of delivery.
Chargeback Management Center
Dedicated dashboard to monitor disputes, upload delivery evidence, and respond with guided strategy. Increase your win rate and recover revenue with structured chargeback prevention workflows.
Enterprise Payment Security Features
Every layer of our security stack works together to protect transactions without slowing down checkout.
PCI DSS Level 1 Compliance
The highest level of payment card security certification. Our infrastructure is audited annually. All card data is tokenized and encrypted end-to-end through our secure payment gateway.
3D Secure 2.0 Authentication
Strong Customer Authentication (SCA) compliant with PSD2. Dynamic 3DS requests OTP only when risk justifies it — reducing friction while meeting regulatory requirements.
AI Fraud Detection
Real-time machine learning analyzes hundreds of data points per transaction. IP, geolocation, device fingerprint, velocity, and behavioral patterns — all evaluated in under 50ms.
Card Tokenization
Sensitive card data is replaced with secure tokens. Your systems never store or process raw card numbers. Simplified PCI scope and reduced liability for data breaches.
End-to-End Encryption
Data is encrypted in transit (TLS 1.3) and at rest. Our secure vault isolates cardholder data from your infrastructure, meeting the strictest payment security standards.
Chargeback Prevention & Management
Proactive fraud prevention reduces chargebacks at the source. When disputes occur, our chargeback center guides you through evidence upload and representment to maximize win rates.
Secure Your Payments in 4 Steps
From signup to first protected transaction, RoxPay's security features are built in from day one.
Sign Up and Verify
Create your RoxPay account and complete KYC verification. Our compliance team reviews applications within 24–48 hours. No card data handling on your side — we handle tokenization from the start.
Integrate the API
Connect via RESTful API, hosted payment page, or pre-built plugins. Our SDKs support tokenization, 3D Secure, and fraud scoring out of the box. No PCI scope expansion.
Configure Security Rules
Set fraud thresholds, 3D Secure triggers, and blacklist/whitelist rules. Customize sensitivity by industry and risk profile. AI adapts to your transaction patterns over time.
Go Live with Full Protection
Start accepting payments with PCI DSS compliance, 3D Secure, AI fraud detection, and tokenization active. Monitor the chargeback center and optimize rules based on real performance data.
Payment Security & Fraud Prevention FAQ
What is PCI DSS Level 1 compliance?
PCI DSS Level 1 is the highest certification tier for payment security. It applies to merchants processing over 6 million card transactions annually and requires annual audits by a Qualified Security Assessor. RoxPay is PCI DSS Level 1 certified, so your card data is protected by the strictest standards in the industry.
How does 3D Secure 2.0 reduce checkout friction?
Traditional 3D Secure required OTP for every transaction. 3D Secure 2.0 supports risk-based authentication: low-risk transactions can bypass the OTP step. RoxPay's dynamic 3DS triggers strong authentication only when our AI fraud detection flags elevated risk — reducing drop-offs by up to 40% while staying PSD2 compliant.
What is payment tokenization and why does it matter?
Tokenization replaces sensitive card data with non-sensitive tokens. Your systems never store or process raw card numbers — only tokens. This dramatically reduces your PCI DSS compliance scope: you typically complete a simplified SAQ instead of a full audit. RoxPay manages tokenization in our certified vault, so you get payment security without the compliance burden.
How does AI fraud detection work?
Our AI fraud detection analyzes IP, geolocation, device fingerprint, transactional velocity, and behavioral patterns in under 50ms per transaction. Machine learning models trained on millions of transactions distinguish fraudulent patterns from legitimate ones. Suspicious transactions are blocked before the charge — a key part of chargeback prevention.
How can I reduce chargebacks?
Chargeback prevention starts with blocking fraud at checkout. RoxPay's AI fraud detection and 3D Secure authentication reduce fraudulent transactions before they become chargebacks. For legitimate disputes, our chargeback management center guides you through evidence upload and representment. Together, these tools help lower chargeback ratios and recover revenue.
Is RoxPay compliant with PSD2 and SCA?
Yes. RoxPay implements Strong Customer Authentication (SCA) as required by PSD2 in Europe. Our 3D Secure 2.0 integration meets SCA requirements while using risk-based authentication to minimize friction. You stay compliant without sacrificing conversion.
Do I need my own PCI DSS certification with RoxPay?
With RoxPay's tokenization, card data never touches your servers. Your PCI DSS compliance scope is reduced to the minimum — typically a simplified SAQ (Self-Assessment Questionnaire) instead of a full audit. We handle the heavy lifting so you can focus on your business.
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Secure Your Payment Flow Today
Join thousands of merchants who trust RoxPay for PCI DSS compliant, fraud-protected payment processing. Get started in 24 hours.
✓ No monthly fixed costs · ✓ Activation in 24 hours · ✓ Dedicated technical support