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Date:"," 2026-06-08",[282,283],"hr",{},[285,286,288],"h2",{"id":287},"_1-purpose","1. Purpose",[268,290,291,292,295,296,299,300,299,303,306,307,310],{},"This Information Security Policy describes the administrative, technical and organisational measures implemented by ",[271,293,294],{},"Kwik Payments (Pty) Ltd"," (\"",[271,297,298],{},"Kwik","\", \"",[271,301,302],{},"we",[271,304,305],{},"our","\" or \"",[271,308,309],{},"us","\") to protect the confidentiality, integrity and availability of our systems, Services and information.",[268,312,313],{},"This policy provides an overview of our security practices and forms part of Kwik's legal framework.",[268,315,316],{},"Nothing in this policy limits any security obligations contained in the Merchant Agreement or other Legal Documents.",[268,318,319],{},"This Policy is provided for informational and transparency purposes. It does not create any warranty, guarantee, service level, or contractual obligation beyond those expressly set out in the Merchant Agreement, and does not increase Kwik's liability beyond the limitations set out in Section 31 (Limitation of Liability) of the Merchant Agreement.",[282,321],{},[285,323,325],{"id":324},"_2-security-principles","2. Security Principles",[268,327,328],{},"Kwik designs and operates its Services according to the following principles:",[330,331,332,336,339,342,345,348,351,354,357],"ul",{},[333,334,335],"li",{},"Security by Design",[333,337,338],{},"Privacy by Design",[333,340,341],{},"Least Privilege",[333,343,344],{},"Defence in Depth",[333,346,347],{},"Zero Trust where appropriate",[333,349,350],{},"Secure Defaults",[333,352,353],{},"Continuous Monitoring",[333,355,356],{},"Continuous Improvement",[333,358,359],{},"Risk-Based Decision Making",[282,361],{},[285,363,365],{"id":364},"_3-security-governance","3. Security Governance",[268,367,368],{},"Kwik maintains an information security programme designed to:",[330,370,371,374,377,380,383,386,389],{},[333,372,373],{},"identify security risks;",[333,375,376],{},"assess risks;",[333,378,379],{},"reduce identified risks;",[333,381,382],{},"monitor security controls;",[333,384,385],{},"investigate security incidents;",[333,387,388],{},"improve security practices; and",[333,390,391],{},"comply with Applicable Law and industry requirements.",[268,393,394],{},"Security responsibilities are assigned to appropriate personnel within the organisation.",[282,396],{},[285,398,400],{"id":399},"_4-access-control","4. Access Control",[268,402,403],{},"Access to systems is controlled through appropriate authentication and authorisation mechanisms.",[268,405,406],{},"Security controls include, where appropriate:",[330,408,409,412,415,418,421,424,427,430,433],{},[333,410,411],{},"unique user accounts;",[333,413,414],{},"role-based access control;",[333,416,417],{},"least privilege access;",[333,419,420],{},"multi-factor authentication;",[333,422,423],{},"password policies;",[333,425,426],{},"session management;",[333,428,429],{},"privileged access controls;",[333,431,432],{},"periodic access reviews; and",[333,434,435],{},"secure account provisioning and deprovisioning.",[268,437,438],{},"Access is limited to authorised personnel with a legitimate business need.",[282,440],{},[285,442,444],{"id":443},"_5-encryption","5. Encryption",[268,446,447],{},"Kwik uses industry-standard cryptographic techniques to protect information in transit and, where appropriate, at rest.",[268,449,450],{},"Encryption may include:",[330,452,453,456,459,462,465,468],{},[333,454,455],{},"TLS for network communications;",[333,457,458],{},"encrypted databases;",[333,460,461],{},"encrypted storage;",[333,463,464],{},"encrypted backups;",[333,466,467],{},"secure key management; and",[333,469,470],{},"encrypted credentials.",[268,472,473],{},"Cryptographic standards may be updated over time to reflect current industry best practices.",[282,475],{},[285,477,479],{"id":478},"_6-payment-security","6. Payment Security",[268,481,482],{},"Kwik implements controls designed to protect payment processing.",[268,484,485],{},"These controls may include:",[330,487,488,491,494,497,500,503,506,509],{},[333,489,490],{},"tokenisation;",[333,492,493],{},"PCI DSS compliant service providers;",[333,495,496],{},"secure payment gateways;",[333,498,499],{},"payment authentication;",[333,501,502],{},"transaction monitoring;",[333,504,505],{},"fraud detection;",[333,507,508],{},"payment network security requirements; and",[333,510,511],{},"secure payment integrations.",[268,513,514],{},"Kwik maintains PCI DSS compliance appropriate to its applicable merchant and\u002For service provider level, and requires its payment-related subprocessors to maintain their own applicable PCI DSS compliance.",[268,516,517],{},"Kwik does not retain full magnetic stripe data, card verification codes (CVV2\u002FCVC2\u002FCID), or PIN block data after authorisation. This restriction applies without exception, in accordance with PCI DSS requirements.",[282,519],{},[285,521,523],{"id":522},"_7-secure-software-development","7. Secure Software Development",[268,525,526],{},"Kwik develops and maintains its software using secure development practices.",[268,528,529],{},"These practices may include:",[330,531,532,535,538,541,544,547,550,553,556,559],{},[333,533,534],{},"peer code review;",[333,536,537],{},"automated testing;",[333,539,540],{},"dependency management;",[333,542,543],{},"vulnerability scanning;",[333,545,546],{},"static analysis;",[333,548,549],{},"dynamic analysis where appropriate;",[333,551,552],{},"secure deployment processes;",[333,554,555],{},"separation of environments;",[333,557,558],{},"change management; and",[333,560,561],{},"security testing.",[282,563],{},[285,565,567],{"id":566},"_8-infrastructure-security","8. Infrastructure Security",[268,569,570],{},"Kwik maintains controls designed to protect its infrastructure.",[268,572,573],{},"Security measures may include:",[330,575,576,579,582,585,588,591,594,597,600,603],{},[333,577,578],{},"firewalls;",[333,580,581],{},"network segmentation;",[333,583,584],{},"intrusion detection;",[333,586,587],{},"intrusion prevention;",[333,589,590],{},"endpoint protection;",[333,592,593],{},"infrastructure monitoring;",[333,595,596],{},"secure cloud services;",[333,598,599],{},"backup systems;",[333,601,602],{},"disaster recovery capabilities; and",[333,604,605],{},"redundancy where appropriate.",[282,607],{},[285,609,611],{"id":610},"_9-logging-and-monitoring","9. Logging and Monitoring",[268,613,614],{},"Kwik maintains logging and monitoring systems designed to:",[330,616,617,620,623,626,629,632,635],{},[333,618,619],{},"detect suspicious activity;",[333,621,622],{},"investigate incidents;",[333,624,625],{},"monitor platform health;",[333,627,628],{},"identify operational issues;",[333,630,631],{},"detect fraud;",[333,633,634],{},"support regulatory compliance; and",[333,636,637],{},"improve platform security.",[268,639,640],{},"Audit logs may be retained in accordance with Applicable Law and operational requirements.",[282,642],{},[285,644,646],{"id":645},"_10-vulnerability-management","10. Vulnerability Management",[268,648,649],{},"Kwik operates an ongoing vulnerability management programme.",[268,651,652],{},"This may include:",[330,654,655,658,661,664,667,670,673],{},[333,656,657],{},"automated vulnerability scanning;",[333,659,660],{},"software updates;",[333,662,663],{},"security patch management;",[333,665,666],{},"dependency monitoring;",[333,668,669],{},"penetration testing;",[333,671,672],{},"remediation tracking; and",[333,674,675],{},"periodic security reviews.",[268,677,678],{},"Security vulnerabilities are prioritised according to their assessed risk.",[282,680],{},[285,682,684],{"id":683},"_11-incident-response","11. Incident Response",[268,686,687],{},"Kwik maintains procedures for responding to security incidents.",[268,689,690],{},"These procedures may include:",[330,692,693,696,699,702,705,708,711,714,717],{},[333,694,695],{},"incident identification;",[333,697,698],{},"incident classification;",[333,700,701],{},"containment;",[333,703,704],{},"investigation;",[333,706,707],{},"evidence preservation;",[333,709,710],{},"recovery;",[333,712,713],{},"customer communication where appropriate;",[333,715,716],{},"regulatory notification where required; and",[333,718,719],{},"post-incident review.",[268,721,722],{},"Where a security incident affects Personal Information processed on behalf of a Merchant, notification to the Merchant is governed by the Data Processing Addendum. Where a security incident affects Card Payments, Kwik will notify its sponsoring and\u002For acquiring bank in accordance with Kwik's contractual obligations to that bank.",[282,724],{},[285,726,728],{"id":727},"_12-business-continuity-and-disaster-recovery","12. Business Continuity and Disaster Recovery",[268,730,731],{},"Kwik maintains business continuity and disaster recovery procedures designed to support the continued operation of critical Services.",[268,733,690],{},[330,735,736,739,742,745,748,751,754],{},[333,737,738],{},"backup management;",[333,740,741],{},"recovery procedures;",[333,743,744],{},"redundancy;",[333,746,747],{},"disaster recovery planning;",[333,749,750],{},"infrastructure resilience;",[333,752,753],{},"operational continuity planning; and",[333,755,756],{},"periodic testing.",[268,758,759],{},"Recovery objectives may vary depending on the affected Service.",[282,761],{},[285,763,765],{"id":764},"_13-personnel-security","13. Personnel Security",[268,767,768],{},"Kwik maintains reasonable measures designed to ensure that personnel with access to sensitive information understand their security responsibilities.",[268,770,771],{},"These measures may include:",[330,773,774,777,780,783,786,789],{},[333,775,776],{},"confidentiality obligations;",[333,778,779],{},"background verification where appropriate and permitted by law;",[333,781,782],{},"security awareness training;",[333,784,785],{},"acceptable use requirements;",[333,787,788],{},"access reviews; and",[333,790,791],{},"secure offboarding procedures.",[282,793],{},[285,795,797],{"id":796},"_14-supplier-security","14. Supplier Security",[268,799,800],{},"Kwik may engage third-party service providers to support the Services, including providers located outside the Republic of South Africa as described in the Data Processing Addendum.",[268,802,803],{},"Where appropriate, Kwik assesses suppliers based on factors including:",[330,805,806,809,812,815,818,821],{},[333,807,808],{},"security practices;",[333,810,811],{},"regulatory compliance;",[333,813,814],{},"operational resilience;",[333,816,817],{},"privacy protections;",[333,819,820],{},"contractual commitments; and",[333,822,823],{},"risk profile.",[268,825,826],{},"Suppliers may be required to maintain appropriate security controls, and, where the supplier processes Card Payments data, to maintain applicable PCI DSS compliance.",[282,828],{},[285,830,832],{"id":831},"_15-customer-responsibilities","15. Customer Responsibilities",[268,834,835],{},"Merchants remain responsible for securing their own environments.",[268,837,838],{},"This includes:",[330,840,841,844,847,850,853,856,859,862,865],{},[333,842,843],{},"protecting user accounts;",[333,845,846],{},"securing API credentials;",[333,848,849],{},"securing webhook endpoints;",[333,851,852],{},"maintaining secure applications;",[333,854,855],{},"implementing appropriate access controls;",[333,857,858],{},"securing internal systems;",[333,860,861],{},"protecting authentication credentials;",[333,863,864],{},"complying with applicable security requirements; and",[333,866,867],{},"promptly reporting suspected security incidents.",[268,869,870],{},"Kwik is not responsible for security failures occurring within the Merchant's systems or infrastructure.",[282,872],{},[285,874,876],{"id":875},"_16-responsible-disclosure","16. Responsible Disclosure",[268,878,879],{},"Security researchers and customers are encouraged to report suspected security vulnerabilities responsibly.",[268,881,882],{},"Reports should include sufficient information to allow Kwik to investigate the issue.",[268,884,885],{},"Security reports may be submitted to:",[268,887,888],{},[271,889,890],{},[891,892,894],"a",{"href":893},"mailto:security@kwik.co.za","security@kwik.co.za",[268,896,897],{},"Kwik requests that security researchers:",[330,899,900,903,906,909,912],{},[333,901,902],{},"avoid disrupting production systems;",[333,904,905],{},"avoid accessing, modifying, or exfiltrating customer or Merchant information beyond what is strictly necessary to demonstrate a vulnerability;",[333,907,908],{},"avoid modifying data;",[333,910,911],{},"avoid public disclosure until the issue has been investigated and, where applicable, remediated; and",[333,913,914],{},"cooperate with Kwik during the investigation process.",[268,916,917],{},"Kwik will not pursue civil action or refer a researcher for prosecution in connection with good-faith security research conducted in accordance with this Policy, provided that the researcher has not violated Applicable Law, has not accessed, retained, or disclosed any Personal Information or Merchant data beyond what is reasonably necessary to report the vulnerability, and has complied with the requests set out above.",[282,919],{},[285,921,923],{"id":922},"_17-compliance","17. Compliance",[268,925,926],{},"Kwik continually reviews its security programme to support compliance with applicable legal, regulatory and industry requirements.",[268,928,929],{},"Compliance efforts may include:",[330,931,932,935,938,941,944,947,950,953,956,959],{},[333,933,934],{},"POPIA;",[333,936,937],{},"PCI DSS;",[333,939,940],{},"the National Payment System Act 78 of 1998;",[333,942,943],{},"Payments Association of South Africa (PASA) requirements;",[333,945,946],{},"payment network requirements;",[333,948,949],{},"acquiring bank requirements;",[333,951,952],{},"sponsoring bank requirements;",[333,954,955],{},"anti-money laundering obligations;",[333,957,958],{},"information security standards; and",[333,960,961],{},"other Applicable Laws.",[268,963,964],{},"Publication of this policy does not constitute a certification or guarantee of compliance with any particular standard unless expressly stated by Kwik.",[282,966],{},[285,968,970],{"id":969},"_18-changes-to-this-policy","18. Changes to this Policy",[268,972,973],{},"Kwik may update this Information Security Policy from time to time to reflect:",[330,975,976,979,982,985,988,991],{},[333,977,978],{},"new security threats;",[333,980,981],{},"improvements to the Services;",[333,983,984],{},"regulatory developments;",[333,986,987],{},"operational changes;",[333,989,990],{},"technological advancements; or",[333,992,993],{},"evolving industry best practices.",[268,995,996],{},"The latest version will always be published at:",[268,998,999],{},[271,1000,1001],{},"\u002Flegal\u002Finformation-security",[268,1003,1004],{},"Continued use of the Services after an updated version becomes effective constitutes acceptance of the revised policy where permitted by Applicable Law.",[282,1006],{},[285,1008,1010],{"id":1009},"_19-contact","19. Contact",[268,1012,1013],{},"Questions relating to this Information Security Policy may be directed to:",[268,1015,1016],{},[271,1017,1018],{},"Information Security Team",[268,1020,1021,1022],{},"Email: ",[271,1023,1024],{},[891,1025,894],{"href":893},[268,1027,1028,1029],{},"Website: ",[271,1030,1031],{},[891,1032,1033],{"href":1033,"rel":1034},"https:\u002F\u002Fkwik.co.za",[1035],"nofollow",{"title":1037,"searchDepth":1038,"depth":1039,"links":1040},"",1,2,[1041,1042,1043,1044,1045,1046,1047,1048,1049,1050,1051,1052,1053,1054,1055,1056,1057,1058,1059],{"id":287,"depth":1039,"text":288},{"id":324,"depth":1039,"text":325},{"id":364,"depth":1039,"text":365},{"id":399,"depth":1039,"text":400},{"id":443,"depth":1039,"text":444},{"id":478,"depth":1039,"text":479},{"id":522,"depth":1039,"text":523},{"id":566,"depth":1039,"text":567},{"id":610,"depth":1039,"text":611},{"id":645,"depth":1039,"text":646},{"id":683,"depth":1039,"text":684},{"id":727,"depth":1039,"text":728},{"id":764,"depth":1039,"text":765},{"id":796,"depth":1039,"text":797},{"id":831,"depth":1039,"text":832},{"id":875,"depth":1039,"text":876},{"id":922,"depth":1039,"text":923},{"id":969,"depth":1039,"text":970},{"id":1009,"depth":1039,"text":1010},"Version: 1.2","md",null,{},true,{"description":1060},"7wxV06AqcXPpobC75XxgSxoR7A2lEo4lcivSNbsA3dI",[1068,1069],{"title":225,"path":226,"stem":227,"description":1060,"children":-1},{"title":233,"path":234,"stem":235,"description":1060,"children":-1},1783493453456]