Your money and your data move through layers of cryptography, isolation, and 24/7 human oversight. Here's exactly what protects you on AkikoPay — and how to spot the fraudsters who pretend to be us.
Security isn't a single feature — it's a stack of overlapping controls. Each layer keeps doing its job even if another momentarily fails.
Every byte you send is wrapped in TLS 1.3 in transit, and AES-256 at rest. Sensitive fields like PAN and card numbers are additionally tokenized — what's stored isn't usable on its own.
Always onOTP plus device-binding plus optional biometric — together, not just OR. Suspicious login attempts trigger step-up checks before anything sensitive can be read or changed.
MFA enforcedProduction data sits in segregated cloud environments with private networking. Even our own engineers need approved, time-bound, audit-logged access — and only to what their job needs.
Least privilegeOur Security Operations Center watches every login, transaction, and API call in real time. Anomaly detection flags unusual patterns within seconds — and a 24×7 team responds.
Always watchingBehavioral models trained on millions of sessions detect velocity attacks, account-takeover patterns, and impossible-travel signals — and block the request before it lands.
ML-poweredAnnual ISO 27001 surveillance, quarterly penetration tests by external red-team firms, and continuous bug-bounty engagement with vetted security researchers worldwide.
Externally verifiedStep through what actually occurs from the moment you hit submit to the moment a card lands at your door.
Click any step to learn what protects it.
Before anything leaves your device, sensitive inputs are validated locally. Card numbers and PAN are immediately masked in our logs and never shown back to you in full. The form submits over a TLS 1.3 connection with certificate pinning to prevent any man-in-the-middle attempt.
Industry frameworks we adhere to and the audits that hold us accountable.
Independently certified controls covering 114 security domains, audited annually.
Payment Card Industry compliant — cardholder data is tokenized and never stored unencrypted.
All personal and financial data stored within India, as mandated by the Reserve Bank.
Compliant with India's DPDP Act — including consent management and data minimisation.
Plain-English answers to the questions that actually matter.
When you apply for a credit card, loan, or credit score check, we collect only what's needed to verify your identity and submit a complete application to our banking partner. That means basics like name, mobile, email, PAN, date of birth, and PIN code — and never anything we don't actively use.
Your PAN is encrypted and tokenized the instant we receive it. Credit-score checks are soft pulls performed via our partner Experian; they have no impact on your score. When you submit an application to a bank, only the fields that bank's API requires are forwarded — nothing else leaves our environment.
We will never sell your data to advertisers or third-party data brokers. We will never share your personal information with anyone outside the specific banking partner you've chosen to apply with — and even then, only the minimum required by their underwriting flow.
You can request a full export of your data, ask for corrections, or revoke consent and have your information erased at any time. Email support@akikopay.com and we'll act on the request within thirty days, as required by India's DPDP Act 2023.
Fraudsters constantly impersonate financial brands. These are the most common patterns to watch for.
Someone calls or messages saying your loan is approved but you need to pay ₹999 / ₹2,500 / any amount to release it. AkikoPay charges zero fees. If it's asked for, it's fraud.
High riskNo real bank, NBFC, or platform will ever ask you to read out a one-time password, your CVV, or your card PIN over a call or chat. Hang up immediately and report it.
Never shareA common trick: caller asks you to install a remote-access app to speed up KYC or verify the limit. They're trying to take over your phone.
High riskUrgency is the fraudster's favourite tool — countdowns, last chance, exclusive limit expiring. Slow down and verify directly with us.
Red flagAnything that isn't exactly akikopay.com isn't us. Check the domain bar carefully before entering anything.
Check URLAnyone calling from a mobile number claiming to be AkikoPay support is suspicious. Verify through official support lines only.
VerifyAkikoPay will never ask you to make a payment anywhere outside our secure website. Do not transfer money to any bank account or wallet, or share your card or banking details with anyone claiming to operate on our behalf. We do not sell loans on our own and do not charge any fee from our customers. Credit score and analysis are powered by Experian.
Report a Suspicious InteractionWhether it's a suspicious call, a phishing link, or a security bug — the faster we hear, the faster we act.
If you've sent money or shared sensitive details with someone impersonating AkikoPay, act now — every minute helps recover funds. Lock affected cards immediately, then reach us.
Security researchers and bug bounty hunters: we want to hear from you. Responsibly disclose any issue and we'll engage quickly, fix it, and recognise you in our Hall of Fame.
Safety note: AkikoPay will never ask you to make a payment anywhere outside our secure website. Do not transfer money to any bank account or wallet, or share your card or banking details with anyone claiming to operate on our behalf. We do not sell loans on our own and do not charge any fee from our customers. Credit score and analysis are powered by Experian.