No raw cardholder data
The application has no fields for PAN, CVV/CVC, track data, PIN or other sensitive authentication data.
Built for the way ambitious Indian businesses move moneyExplore business banking
SECURITY ARCHITECTURESecurity belongs inside
Security belongs inside
every transaction path.
Experia360 is engineered to minimize sensitive-data exposure and make high-risk operations explicit, tenant-scoped, reviewable and fail-closed.
CONTROLLEDBY DESIGN
ENCRYPTSCOPEEVIDENCEAPPLICATION CONTROLSLayered controls.
Layered controls.
Clear responsibility.
Application safeguards reduce risk, but deployment, operations and organizational governance remain essential.
Explicit tenant context
Protected operations require authenticated organization membership and organization-scoped permission checks.
Secrets stay secret
Bank credentials and sensitive identifiers are encrypted, hidden from serialization and excluded from audit payloads.
Independent decisions
Connection activation, payout approval and onboarding review use separate-user controls where required.
Traceable operations
Request IDs, audit events, status transitions and integrity hashes create evidence for operational review.
Financial integrity
Money uses integer paise; posted journals are balanced and corrected through explicit reversals.
PCI DSS SCOPE BOUNDARYReduce card-data scope.
Reduce card-data scope.
Do not manufacture confidence.
Source code alone cannot make an organization PCI DSS compliant. Any future card capture must use hosted or tokenized components supplied by a PCI DSS validated provider.
- No raw cardholder data model
- Tokenized or hosted capture boundary required
- Logs and analytics follow the same prohibition
SENSITIVE DATA HANDLINGEncrypted where needed.