Regulatory Compliance & Security
Operating under strict financial regulatory oversight and enterprise security standards
CAC Regulatory Alignment
Operating in accordance with the Corporate Affairs Commission (CAC) and relevant financial regulations.
PCI-DSS Compliant
Certified Payment Card Industry Data Security Standard Level 1 compliance for card data processing.
NDPR & NDPA Certified
Audited for compliance with the Nigeria Data Protection Act 2023 for customer data privacy.
1. Institutional Partnerships
Wicomi partners with licensed Commercial Banks, Microfinance Banks, Switching Companies, and Payment Terminal Service Providers (PTSPs) in Nigeria and internationally to guarantee 99.9% payment reliability and instant settlements.
2. Technical & Infrastructure Security
Our security architecture adheres to strict zero-trust engineering principles:
- Cryptographic Webhook Signatures: Every incoming payment webhook is signed using HMAC SHA256 signatures to eliminate spoofing.
- IP Whitelisting & API Rate Limiting: Merchants can restrict API key usage to specific production IP addresses.
- Transaction PIN & 2FA: Sensitive operations require cryptographic transfer PIN verification and multi-factor authentication.
- Automated Threat Prevention: Continuous vulnerability scanning, DDoS mitigation, and intrusion prevention.
3. Consumer Protection & Dispute Resolution
Wicomi enforces transparent chargeback processing and transaction dispute resolution mechanisms adhering to NIBSS and card scheme (Visa/Mastercard) operating regulations.