Security

The integrity of your data is our first priority.  We are committed to making your information available to you and protecting it from everyone else.

 

Encryption:

Paybook uses industry standard AES 256-bit encryption, the same your bank uses, which means your data is scrambled and unreadable to unauthorized parties. 

Advanced Encryption Standard (AES) is the encryption technology used to protect top-secret government documents.   It requires the same encryption key to both encrypt and decrypt the data, so whoever receives the data must have the encryption key to access it.  

 


Automatic Time-Outs:

For security reasons, if your Paybook session sits idle for ten minutes, Paybook will automatically log you out.  You will have a one minute warning prior to the dropped connection to continue with your open session.  

 


Read-Only Access 

When you link your accounts, your institutions send read-only data to our system.  This means your funds cannot be transferred or withdrawn by anyone, not even you.  While Paybook grants you the ability to better organize and understand your finances, nothing done within our system will impact the actual movement of your money.  

 


Physical Security 

While our servers are impenetrable, we've housed them in a secure facility that is monitored 24/7.  Access is tightly controlled and requires multiple levels of authentication, including ID verification and biometric recognition. 

 


Mobile App Protection 

Passcode:

After you install and log into the Paybook app on your mobile device, you have the option to create a 4-digit Passcode.  This provides the convenience of a faster log-in while still safeguarding your data.

 


Protect Yourself

While we go above and beyond to safeguard your information, we need your help.  Avoid fraud, identify theft, and phishing by remembering the following guidelines: 

  • Don't share your User ID and Passphrase with anyone.
  • Change your Passphrase regularly.  Click here for Passphrase best practices.
  • Make sure you're on our secure site.  Look for the green VeriSign lock in front of our URL.
  • Always Log Out of Paybook when your session ends.  
  • Install and keep updated anti-virus, anti-spyware on your home computer.  
  • Use a firewall.


Remember, we will never ask for your account or bank credentials outside our secure system.  If you are asked for private financial information via email, phone, or chat, please do not disclose your information, and report this to us at security@paybook.com

For our full Privacy & Security Policy, click here.

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