At Fanum Pay, security isn't just a feature â it's the foundation of everything we build.
Fanum Pay was built from the ground up with security and privacy as core principles. Our proprietary architecture implements multiple layers of protection while ensuring a frictionless user experience.
Fanum Technology
Our proprietary Fanum system enables identity-masked transactions, providing an additional layer of privacy when needed. This innovative approach allows for secure payments while maintaining appropriate compliance with financial regulations.
Every transaction uses a unique cryptographic security key that's embedded in the URL. These keys are generated using secure random algorithms and are practically impossible to guess or brute force.
Technical Detail:
32-byte cryptographically secure random keys with automatic expiration and one-time use validation.
All sensitive payment data is handled directly by Stripe's secure infrastructure. Card details are tokenized and never touch our servers, ensuring complete PCI DSS compliance.
Technical Detail:
End-to-end encryption with HTTPS, all data encrypted at rest, and secure API communication with tokenization.
Automated systems continuously monitor for suspicious activity. Our backend implements rate limiting, IP tracking, and advanced fingerprinting to prevent automated attacks.
Technical Detail:
Custom Rust-based fingerprinting and validation, combined with Stripe's advanced fraud detection systems.
Each transaction generates a unique, expiring payment URL (e.g., fanumpay.com/?abc123def...) that routes to a secure hosted form. This URL contains a cryptographic key that links to the specific transaction in our database.
The payment form uses Stripe Elements via a server-side API (never directly exposing keys to the browser). Card details are tokenized and never touch our servers, ensuring PCI DSS compliance. This approach provides bank-level security for all transactions.
Funds are briefly held in escrow (application fees may apply). They are then disbursed to the recipient's connected bank account or debit card using Stripe Connect Custom Accounts or Instant Payouts, depending on account setup. This ensures funds move securely and quickly.
Optional KYC/KYB verification is implemented via Stripe's built-in verification systems. Basic fingerprinting and anti-abuse checks are done using a custom Rust-based backend for high-speed validation. This balances security with privacy and user experience.
Every transaction includes metadata (e.g., referral source, contact info, purpose) allowing for detailed reporting. All data is encrypted at rest and transmitted over HTTPS, ensuring complete confidentiality throughout the process.
We leverage Stripe's industry-leading security infrastructure for all payment processing.
All payment information is handled directly by Stripe via secure APIs.
Every transaction is timestamped, logged, and traceable for auditing or dispute resolution.
Our no-user-login design philosophy reduces traditional attack vectors like account takeovers.
From secure keys to fraud monitoring, we implement multiple layers of protection.
Our systems actively monitor for unusual patterns and suspicious activities.
Absolutely. Fanum Pay never directly handles your card information. All payment details are processed securely through Stripe, a PCI Level 1 certified payment processor. Your card data is tokenized and transmitted using bank-level encryption, never touching our servers.
We've implemented several safeguards:
If you ever suspect unauthorized access, you can immediately cancel the link using your cancellation key.
We collect only the minimum information necessary to process your transaction. All personal data is encrypted both in transit and at rest. Our GhostPay feature even allows for semi-anonymous transactions where appropriate, providing an additional layer of privacy.
Our team is happy to discuss our security measures in more detail.
Contact Our Security Team