With the growing number of online payments, integrating a payment gateway on your website has become necessary to give customers good overall shopping experience. While there are many benefits of accepting online payments, we also often hear about personal bank details falling prey to online security threats.

Therefore, the online payment solution provider you choose should be highly secure and provide a seamless checkout experience. If you have any confusion about how to find the best one, here’s a guide to choose the best online payment solution for your business.

At PayU, we leave no stone unturned to make sure that the online payment transactions are secure and your customers are happy! Here are some of the security protocols that we follow to make online transactions 100% secure (or what you should consider while selecting a secure payment gateway for your website):

1.PCI-DSS (Payment Card Industry Data Security Standard) Compliant:

At PayU, we adhere to all security standards and practices prescribed by Payments Card Industry, India. All PayU servers are PCI-DSS compliant and hence it is safe to save the card information with us.

An important thing to note here is that while card number and expiry details are stored in our secure databases, CVV is never stored.

Also, the card information is never exposed to the outside world as we send only mapped encrypted tokens through network. All, the transactions are theoretically more secure than a normal transaction where you enter card details.

2. 128 bit SSL (Secure Sockets Layer) encryption

All our payment pages are secured with SSL which significantly reduces the risk of you or your customers being exposed to a man-in-the-middle attack. We work to keep all your sensitive data confidential by using best in class technology, which encrypts information shared during an online transaction and protects it. This encrypted information is stored on secure systems/computers.

Further, we ensure that the number of employees involved in the management of the stored data is limited. Also, we use advanced security technology to prevent our computers from being accessed by unauthorized persons.

A web address, that has SSL, begins with https. Integrating PayU payment gateway on your website might help you increase your conversion rate. Customers are more comfortable sharing sensitive information on pages visibly served over https.

3. Two Factor Authentication

According to data, 90% of passwords can be cracked in less than six hours. Also, two-thirds of people use the same password everywhere.

Having a two-factor authentication process helps us in the prevention of fraud, especially in the case of credit/debit card payments. In simple terms, we have just added another layer of security, which makes it harder for someone to access and steal your data.

First, the customer must enter the CVV and then the OTP sent on his registered mobile number.

4. Tokenization

Tokenization is the technology used to ensure that your customer’s sensitive card information remains safe. Card details is passed in the form of ‘token’ which is a random string of characters thus replacing & safeguarding the sensitive information.

PayU’s fraud prevention solution works 24*7 to prevent payment fraud. Velocity checks such as volume and value of transactions, card issuing country, IP location, pattern detection and real time blocking capability helps us prevent any fraud transactions.

5. Redirect Checkout, Web Fronts & SDKs

At PayU, we provide the options of Redirect Checkout, Web fronts or our mobile SDKs to merchants to accept payment information. The sensitive information is transmitted directly through the PayU servers with no intervention of the merchant’s server thus enhancing the security. And PayU servers, as mentioned above, are highly secure!

Tip: Keep your Platforms Updated

Whether your platform was built from scratch by developers or based on a third-party platform, make sure it is always updated.

CMS like WordPress work round the clock to plug security gaps and release regular patches and updates that make their systems less vulnerable. So, with the newest versions of your platform, you minimize the vulnerability of online security risk. To enhance your platform’s security, install third party security plugins.


It is the responsibility of both, the merchant as well as the customer, to make sure that there is no breach of security. Paying attention to the above security protocols while paying or receiving money can reduce the overall level of vulnerability to cyber-attacks.

With over 4.5 lakh merchants using PayU in their daily lives, we make sure that all the security processes and regulations are in place. To know more, visit PayU.in