Security & Data Protection

1. Security-First Infrastructure

At FinTEM, security is not a feature; it is the core of our orchestration architecture. We employ a multi-layered security strategy to protect the data of our Merchants and their End-Users.

1.1. Cloud Security (AWS): Our infrastructure is hosted on Amazon Web Services (AWS) within highly secure, SOC 1, 2, and 3 certified data centers. We utilize multi-region redundancy to ensure both data persistence and high availability.
1.2. Encryption at Rest & In Transit: All sensitive data is encrypted using AES-256 at rest. All communication between Merchant CRMs, FinTEM APIs, and Financial Partners is protected via TLS 1.2 or higher (Transport Layer Security) to prevent interception.

2. PCI-DSS Compliance & Scope Reduction

As a technical orchestrator, FinTEM is designed to minimize the Merchant’s security burden:

2.1. No Raw Card Data Storage: FinTEM utilizes Hosted Payment Pages (HPP) and secure Tokenization via our licensed partners (e.g., SolidPayment). This means full Primary Account Numbers (PAN) and CVV codes never enter or reside on FinTEM servers.
2.2. Level 1 Standards: While we operate as a technical layer, we adhere to PCI-DSS Level 1 security standards in our internal development lifecycle (SDLC) and server hardening processes.

3. Data Protection ( KVKK)

We strictly follow global and regional data protection regulations, including the European GDPR.

3.1. Data Minimization: We only process the minimum amount of Personal Identifiable Information (PII) required to facilitate transactional routing and reporting.
3.2. Access Control: We implement the Principle of Least Privilege (PoLP). Access to our internal production environments is restricted to authorized personnel only, protected by Multi-Factor Authentication (MFA) and audited regularly.

4. API Security & Integrity

4.1. Authentication: All API requests must be authenticated using secure, unique API keys and secrets. We recommend merchants to rotate these keys periodically.
4.2. Rate Limiting & DDoS Protection: We employ advanced rate-limiting and AWS Shield to protect our infrastructure against Distributed Denial of Service (DDoS) attacks and brute-force attempts.
4.3. IP Whitelisting: Merchants can restrict API access to specific trusted IP addresses to prevent unauthorized requests from external sources.

5. Continuous Monitoring and Auditing

5.1. Real-Time Alerting: Our security team monitors system logs 24/7 for suspicious activities or anomalies.
5.2. Vulnerability Scanning: We conduct regular automated vulnerability scans and periodic third-party penetration testing to identify and remediate potential security gaps.

6. Business Continuity and Disaster Recovery

In the event of a regional infrastructure failure, FinTEM’s Disaster Recovery (DR) plan ensures that operations can be failed over to a secondary region within minutes, maintaining the integrity of your payment flows.

7. Reporting a Security Vulnerability

We value the fintech community’s input. If you discover a potential security vulnerability, please report it immediately to our security team at info@fintem.com.