Bank-grade security guarding every transaction.
Your trust is our most valuable asset. We employ modern cryptographic standards and continuous compliance monitoring to keep your money and identity safe.
Architecture
Defense-in-depth security infrastructure
How we protect millions of Naira in customer and business transactions daily.
End-to-End 256-Bit Encryption
All financial data, identity credentials, and transaction requests are encrypted in transit via TLS 1.3 and at rest with AES-256 standards.
Biometrics & Multi-Factor Auth
Sensitive operations such as fund transfers, card detail reveals, and password changes require biometric approval or real-time SMS/Email OTPs.
Automated AI Fraud Defense
Our real-time anomaly detection engine flags suspicious IP jumps, unusual transaction volumes, and compromised device signatures immediately.
NDPR & Regulatory Compliance
We strictly adhere to the Nigeria Data Protection Regulation (NDPR) and international best practices for data sovereignty and consumer privacy.
Licensed Banking Partners
User wallet deposits are held in custodial trust accounts with CBN-licensed commercial banks and regulated financial institutions.
99.9% Redundant Infrastructure
Distributed cloud infrastructure across multiple global availability zones guarantees continuous uptime and instantaneous disaster recovery.
Tips to Protect Your Account
Security is a shared commitment. Follow these simple guidelines to maximize your digital safety:
- Never share your Payroxa PIN, password, or OTP with anyone, including individuals claiming to be Payroxa staff.
- Enable Face ID / Fingerprint authentication in your app settings for effortless one-touch login protection.
- Check your transaction history regularly and freeze cards instantly if you spot unfamiliar merchant charges.
- Always ensure you are visiting official domains (payroxa.com.ng and app.payroxa.com.ng).
Experience secure financial tools
Open your secure Payroxa wallet today and join thousands who trade with confidence.