Bank-grade protection for every single kobo.
We treat your funds and personal information with utmost seriousness. Our systems employ state-of-the-art cryptographic safeguards, biometric authorization, and 24/7 proactive fraud monitoring.
Engineered for Speed, Built for Trust
Experience friction-free financial tools with zero hidden catches.
256-Bit AES & TLS 1.3 Encryption
All sensitive customer records, card numbers, and transaction payloads are encrypted both in transit and at rest using military-grade cryptographic protocols.
Mandatory PIN & Biometric 2FA
No outbound transfer, card reveal, or sensitive profile change can be authorized without your personal 4-digit PIN, FaceID, or fingerprint verification.
Segregated Partner Trust Accounts
Customer balances are strictly isolated from PlutoPay operational funds. They are held in dedicated trust custody with NDIC-insured, CBN-licensed partner banks.
Instant 1-Tap Card Freeze
Notice a suspicious transaction? Freeze or unfreeze your virtual dollar or Naira card in under one second straight from your mobile app dashboard.
Zero Card Data Storage
We do not store complete primary account numbers (PAN) or CVVs on our application databases. Cards are tokenized via PCI-DSS Level 1 compliant processors.
NDPR & Regulatory Compliance
PlutoPay strictly complies with the Nigeria Data Protection Act (NDPR), ensuring your personal data is handled transparently, securely, and never sold.
How It Works in 3 Simple Steps
Get started in under two minutes with your phone.
Device & Identity Verification
When logging in from a new device, multi-factor OTP verification confirms identity before granting access to your account session.
Continuous Anomaly Detection
Our automated risk engine monitors transaction velocity, geolocations, and behavior patterns to block unauthorized withdrawals before they happen.
Tamper-Evident Audit Logging
Every internal administrative action requires maker-checker approval and is permanently written to immutable, tamper-evident audit logs.
Frequently Asked Questions
Everything you need to know about this feature.
What should I do if my phone is lost or stolen?
Does PlutoPay ever ask for my PIN or password?
Is my BVN and NIN safe with PlutoPay?
Ready to experience money in motion?
Join thousands of Nigerians taking complete control of their local and international finances with PlutoPay.
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