Current posture
- Software only
- No PAN storage
- Tokenised identifiers
- Deterministic linkage
- Symmetric reversals
Security
Alongside the payment flow, not inside it.
SettleMate is designed as software that attaches rules, proof, and reversals to the payment flow. It does not hold, process, or route funds.
Planned milestones
- SOC 2 Type I programme
- ISO 27001 programme
- Formal PCI DSS scope assessment
We present current controls and planned certifications separately. No badge is shown publicly unless it reflects the current state of the programme.
Bounded integration
The product sits alongside existing card rails. No new rails. No new processor layer. No POS changes.
Deterministic proof
Every payout line can be traced back to its source sale, rule set, and evidence surface.
Symmetric reversals
Refunds and reversals are part of the product model, not a manual clean-up step for operations teams.