Every payment processed through our platform is safe, secure and protected against fraud. As an established innovator in our industry, we ensure our clients receive pioneering and advanced security. This comes standard with every merchant account – no matter the size of your business. Your customer-base and your company’s sensitive financial data is always protected; we know it’s a crucial competent in running a successful business, so Payment Savvy makes your security our priority.



    Our payment gateway is Level 1 PCI-DSS Compliant. To obtain this rigorous compliance, 300,000 or more credit card transactions must be stored, processed or transmitted on an annual basis. Payment Savvy does just that in a fully secure setting.

    To maintain this compliance, our gateway is audited and tested continuously through the following PCI Requirements:

    • Annual Report on Compliance (ROC)
    • Quarterly Network Scan
    • Penetration Test
    • Internal Scan
    • Attestation of Compliance (AOC) Form

    The thorough and detailed system scanning guarantees a reliable and robust platform backs your payments. Rest assured with Payment Savvy you are in capable and secure hands!



    Once payment information is sent to our gateway, the transaction is scrambled utilizing a unique string of keys. This source key recognizes the merchant creating the payment for authorization. Individual keys are generated for each connection you have as a merchant. For example, if Payment Savvy is integrating with your software for direct payment transmission – this software will receive an exclusive identifying source key. Keys can be rescinded or recreated if misuse or fraud of a key is suspected.



    To guarantee a secure payment experience, Payment Savvy’s gateway utilizes a 2048-bit RSA key and does not back weak or susceptible ciphers. TLS delivers privacy and data integrity between multiple interacting applications.

    In essence, TLS secures web-based communications – including the transmitting of financial data. Payment Savvy’s security ensures the following:

    • Payment connections are private and encrypted.
    • All parties to a payment transaction are identified and authenticated.
    • Transmission of payment data is reliable due to an integrity check.


    Every Payment Savvy merchant can create the fraud prevention setup to meet their business needs within in the payment gateway. Fraud components are designed in a stacked sequence to ensure the ultimate financial data protection. Options are updated on a frequent basis to allow our clients to experience trailblazing protection. Examples of available options in this stacked prevention tool include:

    • AVS Response
    • Bin Type Blocker
    • Block by IP Address
    • CVV Checker
    • Card Types
    • Country Blocker
    • Credit Card Number Block List
    • Duplicate Transaction Detection
    • Transaction Amount
    • Zip Code Verification

    Placing these tools directly into our merchant’s hands is essential to us. Payment Savvy provides you with a secure and seamless payment process and enables you to customize your preventative tools even further to create a custom and exact solution for your business.



    No matter how a payment is received – online, pay by text, IVR, or through a traditional phone call – Payment Savvy understands protecting financial data is critical to your business success and consumer perception. Our payment gateway provides the ultimate advanced solution to store credit card information.

    Each payment transaction received is stored individually, meaning credit card numbers cannot be viewed or stolen via an entire list or database. Complete card numbers can only be observed by distinct decryption through the gateway. Ensuring card information is parsed and stored independently is the most secure way to store financial data.

    Chad is a serial entrepreneur and founded Payment Savvy in 2011 armed with the goal of providing high-risk establishments with a pioneering and tailored payment processing solution that allows them to flourish. Having decades of knowledge in the financial services and debt recovery industries, he ensures every client receives the same level of expertise, resourcefulness, and strategic vision no matter the size of the organization. Always willing to push the envelope, Chad’s forward-thinking and leadership skills are responsible for Payment Savvy being on the map as an industry-leading payment processor.


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