Skip to main content Skip to navigation Skip to footer

Security and Protection

Advanced Security for Logistics Payments

Total Encryption

SSL/TLS 256-bit

Verification

Verified users

Certification

PCI DSS Level 1

Our Security Measures

Multi-layer protection for your data and transactions

Data Encryption

Complete protection of information in transit and at rest

  • SSL/TLS 256-bit: Encryption of all communications
  • AES-256: Database encryption
  • HTTPS Only: Mandatory secure connections
  • HSTS: Protocol downgrade prevention
Compliance: GDPR, PSD2, SOX, ISO 27001

Authentication and Verification

Comprehensive business identity verification

KYC Verification
  • Identity documents
  • Business verification
  • Commercial references
VIES Verification
  • European VAT numbers
  • Real-time validation
  • Tax compliance

Payment Security

Secure processing through Stripe Connect

  • PCI DSS Level 1: Highest security standard
  • 3D Secure: Additional authentication
  • Tokenization: No card data storage
  • Anti-fraud insurance: Protection against fraudulent transactions
Anti-fraud AI

Machine learning to detect suspicious patterns

24/7 Monitoring

Continuous transaction surveillance

Secure Infrastructure

European Servers

Certified data centers in EU

Continuous Backup

Automatic backup every 15 minutes

24/7 Monitoring

Real-time surveillance and alerts

Regulatory Compliance

European Regulations
  • GDPR: Personal data protection
  • PSD2: Payment services directives
  • SEPA: European euro payments
  • VIES: Intra-EU tax verification
Certifications
  • ISO 27001: Security management
  • SOC 2 Type II: Security controls
  • PCI DSS Level 1: Payment security
  • ISAE 3402: Service controls
National Security
  • Spain: LOPDGDD compliant
  • Spanish Agency: Data protection (AEPD)
  • Digital Certificate: FNMT for digital signature
  • Regular Audit: External verification
Best Practices
  • OWASP Top 10: Application security
  • Penetration Testing: Regular testing
  • Security Awareness: Team training
  • Incident Response: Response plan

Incident Response

Security Protocol

We have a 24/7 incident response plan that includes:

  • Automatic Detection: Continuous threat monitoring
  • Immediate Notification: Alerts within 15 minutes
  • Rapid Escalation: Specialized response team
  • Total Transparency: Direct communication with users
Response Time: Average of 12 minutes for critical incidents

Transparent Dispute Resolution

Clear process for handling payment disputes with full transparency

Dispute Process Flow
1
Dispute Initiated

Customer contacts their bank to dispute a charge. You receive immediate notification via email and dashboard.

2
Evidence Collection

CargoPay automatically compiles evidence from the payment request, including:

  • Delivery confirmation data
  • Communication logs
  • Signed proof of delivery
  • Service description and terms
3
Response Submission

You have 7-21 days (depending on card network) to submit additional evidence. Our team assists with response preparation.

4
Resolution

Bank reviews evidence and makes decision. Typical resolution time: 60-90 days.

Our Track Record

78%

Win rate with evidence

24h

Average response time

100%

Transparent process

Advanced Fraud Detection

Multi-layer protection with 99.97% detection rate

Stripe Radar Integration
  • Real-time risk assessment on every transaction
  • Machine learning fraud detection
  • Automatic risk scoring (0-100 scale)
  • Risk level categorization
AI-powered protection
Device Fingerprinting
  • Unique device identification
  • Cross-session tracking
  • Suspicious device detection
  • Behavioral pattern analysis
Device-level security
Behavioral Analytics
  • Transaction frequency monitoring
  • Amount pattern analysis
  • Engagement scoring
  • Activity pattern detection
Behavior monitoring
Rate Limiting
  • Per-action type limits
  • User-type specific thresholds
  • Suspicious activity blocking
  • Abuse prevention
Proactive protection

Frequently Asked Security Questions

We don't store card data on our servers. We use Stripe Connect to process payments with tokenization. Data is encrypted with SSL/TLS 256-bit and complies with PCI DSS Level 1.

All data is stored in certified data centers in the European Union. We fully comply with GDPR and local data protection regulations.

We have a 24/7 response protocol. We would notify you immediately, inform the competent authorities, and implement containment measures. We also offer insurance for additional protection.

Contact us immediately at security@cargopay.com. We have a responsible vulnerability bounty program and respond within 24 hours.

Do You Have Security Questions?

Our security team is available to resolve your doubts

Security Email Contact Support

For security reports: security@cargopay.com