Your money is safe. We can prove it.
Security is not a feature added on top of Paylio. It is the foundation every other feature is built on.
See the Security ScreenAES-256
Encryption standard
TLS 1.3
Transport layer
PCI DSS
Card data standard
ISO 27001
Info security framework
Six layers of protection
Security that goes all the way down.
01
Encryption at rest and in transit
Every byte stored on our servers is encrypted with AES-256. Every request between your phone and our infrastructure travels over TLS 1.3. There is no unencrypted path to your data.
02
Biometric authentication
Paylio does not send SMS OTPs that can be intercepted. Every sensitive action, login, transfer, card creation, requires Face ID or fingerprint directly on your device. The biometric data never leaves your phone.
03
Real-time fraud detection
Every transaction is scored against a behavioural model built from your normal patterns. An unusual amount, an unfamiliar device, an unexpected location. Any anomaly triggers a hold before money moves.
04
Zero-trust session architecture
No session is trusted by default. Each request is verified against your device fingerprint, location, and session token simultaneously. A stolen session token without your device is worthless.
05
Instant full account lock
One tap in Settings locks every card and blocks all outbound transfers immediately. No waiting, no support ticket. You can lock your account faster than a fraudster can complete a transaction.
06
Trusted device management
See every device that has ever accessed your account. Remove any device you do not recognise with a single tap. New device logins always require re-verification, no exceptions.
In the demo
The Security screen is fully interactive.
Toggle biometric lock, review connected devices, and trigger the account lock flow inside the demo app. Every control is wired up.
Open Security ScreenFace ID Lock
Active
Fraud Detection
Monitoring
Transaction Alerts
Enabled
Device Trust
2 devices