Security First: How Qbit Ensures Compliance and Fraud Prevention in Global Payments
发布时间：2025-07-23
Security is no longer a feature—it’s the foundation of trust in digital payments. With financial fraud becoming increasingly sophisticated and regulations tightening worldwide, businesses need infrastructure that does more than process transactions. They need partners who prioritize vigilance, compliance, and proactive protection from the start.
Payment fraud is the main risk in digital transactions. Fraud can come in many forms, such as identity theft, account takeover, phishing scams, and card-not-present (CNP) fraud. Hackers may infiltrate systems and steal sensitive customer data, including payment information, in order to make fraudulent transactions.
At Qbit, safeguarding global payments is central to our mission. We hold multiple international licenses and certifications, and we build our platform with embedded protections designed to keep businesses compliant and fraud-free at scale.
Licensed to Operate Globally, Committed to Acting Locally
Qbit is licensed and certified across multiple global jurisdictions, providing clients with peace of mind when operating cross-border:
Visa Hong Kong Principal Member
A Visa Principal Member is a financial institution or entity that has been directly authorized by Visa to participate in its payment network. As a Principal Member, Qbit meets Visa's standards for operational capability, financial stability, and compliance with regulatory requirements, enabling the issuance of Visa Hong Kong's payment cards with tailored features.
MSB (Money Services Business) license in the United States
A money services business (MSB) is any business, other than a bank, that facilitates the transmission, exchange, or conversion of money. Money services businesses are still considered financial institutions under the Bank Secrecy Act (BSA) and related laws. They are therefore subject to the same anti-money laundering, KYC, and due diligence requirements as all other financial institutions.
MSO (Money Service Operator) license in Hong Kong
Money Service Operator (MSO) is a person or an institution that operates a money changing service or a remittance service. The service of money changing, as implied by its name, involves the exchange of different currencies.
TCSP (Trust or Company Service Provider) in Hong Kong
A TCSP (Trust or Company Service Provider) license is a requirement for businesses offering certain services related to trust and company formation, management, and administration in Hong Kong. These providers must obtain a license from the Hong Kong Companies Registry and comply with anti-money laundering and counter-terrorism financing regulations.
PCI DSS Level 1
PCI DSS Level 1 is the highest level of compliance for organizations that process over 6 million credit card transactions annually, or those that have experienced a data breach. This level has the most stringent requirements, including a mandatory on-site audit by a Qualified Security Assessor (QSA) and quarterly network scans.
These licenses aren’t just legal boxes to check; they’re a testament to our accountability and commitment to upholding financial integrity in every region we serve.
Built-In Compliance from Day One
Regulatory compliance is integrated directly into the Qbit platform, helping clients accelerate go-to-market timelines without overlooking the fine print.
KYC/AML Screening
Our system automates Know Your Customer and Anti-Money Laundering processes to verify user identities, screen for sanctions, and flag risky behavior. This protects both the business and end users from fraudsters or bad actors.
Ongoing Transaction Monitoring
We continuously monitor card activity using both rules-based alerts and machine learning algorithms to detect anomalies, flag suspicious patterns, and stop questionable transactions before they escalate.
Customizable Controls
Businesses can configure granular spending parameters. This includes setting daily or transaction limits, restricting specific merchant categories (MCC codes), and geo-fencing card usage to specific regions or countries.
By embedding these tools natively, we reduce the compliance burden and enable smarter, faster decision-making.
Fraud Prevention Powered by Intelligence
Qbit takes a multi-dimensional approach to fraud detection, harnessing technology and human insight to deliver adaptive protection.
Real-Time Risk Scoring
Each transaction is scored in real time using variables such as face recognition, transaction velocity, merchant category, and behavioral deviations. Suspicious activity is flagged and held for review or instantly declined based on severity.
Velocity and Pattern Analysis
Our engine looks beyond individual transactions to assess frequency, pattern shifts, and cumulative behavioral changes that may indicate account takeover, bot activity, or card testing attacks.
Multi-Layered Authentication
We enable advanced identity verification methods, including passwords, device-based security, and biometric options. Businesses can also layer these tools to meet their own risk thresholds or user experience goals.
This layered approach ensures our clients stay ahead of fraud while minimizing friction for legitimate users.
Peace of Mind for Businesses and Their Customers
With Qbit, security and compliance are not roadblocks—they're enablers. Our infrastructure is trusted by forward-thinking companies launching modern payment products across continents. Whether you're embedding finance into your platform, issuing branded cards, or managing payouts, you can move fast without compromising on trust.
We secure your payments. We simplify your compliance. And we help you scale with confidence.
