Encryption
Protect Card Payloads
Encrypt sensitive payment payloads with your merchant encryption key before they leave your server — a core part of secure API charging.
Sensitive data should not travel in clear text
When you charge via API, card details are encrypted using merchant-scoped encryption keys. This protects payloads in transit between your servers and PayoFlux and forms part of a defense-in-depth approach alongside HTTPS, API authentication, and access controls.
- Merchant encryption keys
- Server-side encryption step
- Works with charge APIs
- Pairs with API auth
- Supports sandbox and live
How payload encryption works
Receive your encryption key
After account setup, your merchant credentials include encryption material for API payloads.
Encrypt on your server
Before calling charge endpoints, encrypt sensitive card fields according to the platform encryption process.
Send the protected request
Your API call authenticates normally while carrying encrypted sensitive fields rather than raw card data in plain JSON.
Platform decrypts securely
PayoFlux decrypts with the corresponding secrets server-side, then continues risk checks and gateway processing.
Why merchants use this
Reduced exposure
Limit clear-text card data in application logs and intermediate hops.
Clear integration responsibility
Engineering knows exactly where encryption belongs in the request lifecycle.
Where this fits your business
Server-to-server charge API
Required pattern when your backend handles card data for API charging.
Security reviews
Demonstrate encryption controls during customer or partner due diligence.
Continue exploring
Simplify Payments with PayoFlux
One platform to accept, manage, and scale your payment operations.
