Is my money safe?
Smart security features to keep your money safe
Segregated accounts
• Safeguarding practices protect your money. We are required by law to protect our clients' money by safeguarding it with a partner bank, segregated from Intergiro's own funds. When you receive or transfer-in funds we credit the equivalent value of e-money into your account and simultaneously place the received funds into ring-fenced accounts (separate from our own money) held with established National Central Banks.
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Your money is securely held in a separate account that only you can access. This ensures that your money remains safe and protected, with no access granted to anyone else, including our company. Rest assured, your funds will not be used for any internal needs or reinvestment purposes.
We secure your access
• SCA - we apply Strong Customer Authentication to verify user's identity before granting users access to their accounts. This includes MFA (Multi-factor Authentication) on the SikiraPay web Customer Portal and the SikiraPay mobile app. During MFA you will be required to provide at least two of the following things: something only you could KNOW (e.g. PIN, password), something only you could OWN (e.g. card, phone), or something only you could BE (e.g. fingerprint, face).
• Fingerprint and face (biometric) identification — offers you a more secure option to log into our mobile app using your fingerprint or face recognition.
• Zero Trust Security - on all our platforms and networks. Zero Trust is a security concept that requires all users and devices to be continually authenticated, authorised, and validated when using resources and services within our environment.
• We secure your transactions
• We use fraud detection technologies, data encryption and strong authentication solutions in our efforts to do all we reasonably can to prevent unauthorised or fraudulent use of your account, card and related services.
• Intergiro protects your payment transactions using SCA by providing a unique code uniquely generated for one transaction, linking the user with the transaction-specific information. This is known as dynamic linking.
• IDCM. IDCM stands for Identity Check Mobile; it’s an app-based authentication solution that allows users to confirm their online card payments with biometrics.
• Fingerprint and face (biometric) identification — offers you a more secure option to log into our mobile app using your fingerprint or face recognition.
• Zero Trust Security - on all our platforms and networks. Zero Trust is a security concept that requires all users and devices to be continually authenticated, authorised, and validated when using resources and services within our environment.
• We secure your transactions
• We use fraud detection technologies, data encryption and strong authentication solutions in our efforts to do all we reasonably can to prevent unauthorised or fraudulent use of your account, card and related services.
• Intergiro protects your payment transactions using SCA by providing a unique code uniquely generated for one transaction, linking the user with the transaction-specific information. This is known as dynamic linking.
• IDCM. IDCM stands for Identity Check Mobile; it’s an app-based authentication solution that allows users to confirm their online card payments with biometrics.
We secure your card
• The Anti-fraud System — we use this system to get real-time alerts of fraudulent activity, resulting in quick action and early preventative measures on suspected fraud transactions.
• Intergiro is a Certified Level 1 PCI DSS Service Provider - this means that our systems and networks have been audited and assessed by a PCI approved Qualified Security Assessor (QSA). Maintaining this certification ensures that your card details and transactions are secure.
• Virtual cards — this product provides a more secure method of making e-commerce transactions. A virtual card cannot be stolen. Your card number is safely stored within our encrypted cardholder data environment, only accessible on one of your devices through MFA.
• Intergiro is a Certified Level 1 PCI DSS Service Provider - this means that our systems and networks have been audited and assessed by a PCI approved Qualified Security Assessor (QSA). Maintaining this certification ensures that your card details and transactions are secure.
• Virtual cards — this product provides a more secure method of making e-commerce transactions. A virtual card cannot be stolen. Your card number is safely stored within our encrypted cardholder data environment, only accessible on one of your devices through MFA.
3D Secure
• This advanced security tool gets activated every time you make an online purchase or payment, double-checking whether it’s actually you on the other side of the screen. It is just another authentication step that allows us to safely confirm your online transaction.
• 3D Secure (3DS) — SikiraPay cardholders are required to register for 3DS to enable secure online card payments. With 3DS, when you make certain online card payments, you will receive a mobile notification from Intergiro, asking you to enter a one-time verification code to complete the payment.
How you can protect yourself
• Make sure that you have the most recent version of our app installed to take advantage of the latest payment and security features available.
• No security system is perfect all of the time, which is why it’s important for everyone —that means you, and all of us at Sikirapay— to remain vigilant in order to keep each other protected.
• Be suspicious of unsolicited emails and websites
• Never click on links or opening attachments from unknown senders
• Hover over links to check their destination before clicking
• Only enter your personal information on secure websites
Beware of phishing scams in which someone poses as an Sikirapay staff member and requests sensitive information such as your app PIN, card PIN, or passwords. Our staff will never ask for this type of information.
What is phishing? Phishing is a criminal activity that employs fraudulent email messages and websites in an attempt to acquire sensitive information, such as login credentials and card details, from unsuspecting users. The emails and websites used in phishing attacks often look very similar to those of legitimate organisations, making them difficult to distinguish from the real thing. The goal of phishing attacks is to trick users into divulging their personal information, which can then be used for identity theft, financial fraud, and other malicious activities.
Beware of phishing scams in which someone poses as an Sikirapay staff member and requests sensitive information such as your app PIN, card PIN, or passwords. Our staff will never ask for this type of information.
What is phishing? Phishing is a criminal activity that employs fraudulent email messages and websites in an attempt to acquire sensitive information, such as login credentials and card details, from unsuspecting users. The emails and websites used in phishing attacks often look very similar to those of legitimate organisations, making them difficult to distinguish from the real thing. The goal of phishing attacks is to trick users into divulging their personal information, which can then be used for identity theft, financial fraud, and other malicious activities.
Safe and at your disposal 24/7
The entire amount is at your disposal at any time, 24 hours a day, 7 days a week.
So, the answer to "Is my money safe?" is YES. Your money, your entire amount, is 100% safe.