Q. Is Zimple safe?
A. Yes, we are safe! We have taken great care to be compliant with both Federal and State regulatory
authorities as well as with NACHA, “The Electronic Payment Association” rules and regulations that apply
to ACH funds transfers. We have also partnered with some of the top payment industry vendors and service
providers in the world, including:
www.Teledraft.com,
www.CheckGateway.com,
www.Experian.com,
www.EarlyWarning.com,
www.Microbilt.com,
www.Authoirze.net,
www.Comodo.com,
First Premier Bank of South Dakota and
www.Latysis.com.
Zimple’s software sends your payment instructions to Teledraft, a regulated payment processor and
3rd party originator; your instructions are processed by First Premier Bank of South Dakota,
“the originating bank” (an FDIC Insured Bank) to the Federal Reserve Bank Automated Clearing House
(ACH) System. Your funds are settled in an account controlled by First Premier Bank. When cash
payments clear, funds are forwarded to your bank account using the same methodology and in accordance
with the instructions you provided online to ZimpleMoney.
Teledraft
and
CheckGateway provide electronic payment
processing services for ZimpleMoney.
First Premier Bank of South Dakota is the originating bank processor and
settlement account bank control.
Experian provides user identity verification services.
EarlyWarning provides checking account validation services.
Microbilt provides OFAC verification services.
OFAC is the Office of Foreign Assets
Control and is part of the U.S. Department of the Treasury. This check cross references users to known
terrorist or people suspected of terrorism
(
http://www.treasury.gov/about/organizational-structure/offices/Pages/Office-of-Foreign-Assets-Control.aspx
).
We use
Authorize.net for our secure payment gateway and its fraud protection suite. The Authorize.Net Payment Gateway is available 24/7 for processing transactions and they offer a number of value-added services to protect our members from fraud.
C.O.M.O.D.O. Extended Validation SSL (the Green Bar) - (EV) SSL certificates are the highest assurance certificate, perfect for reassuring our members. The green address bar, exclusive to EV SSL, provides visual assurance to visitors that the site is verified and secured. EVSSL provides users with the following:
- Highest assurance certificate
- 2048-bit, next generation SSL
- $250,000 warranty
E-commerce merchants are going beyond the gold padlock to go green with Extended Validation SSL certificates, the e-commerce standard for trust and security. The green browser address bar, exclusive to EV SSL certificates, assures website visitors that they are transacting on a highly trusted and secured domain. The EV SSL certificate was designed to strengthen e-commerce security and combat phishing attacks to make EV SSL the most complete SSL certificate available.
Obtaining an Extended Validation SSL certificate requires a rigorous validation performed by Comodo, a registered Certificate Authority (CA). This is required to ensure that the company behind the site meets Extended Validation standard. These strict validation guidelines help keep the green address bar associated with only trusted organizations to maintain the highest level of security.
We use
Latysis Data Center, a state-of-the-art SAS 70 Type II certified data center located in Irvine, California. This facility boasts fully redundant power with diesel generators for backup, diverse paths and providers for Internet access, and multi-tiered reliable security services.
Key features of the Latisys security system include:
- Onsite Security Personnel 24x7x365
- Onsite 24x7x365 Network Operations Center, which monitors all external and internal security
- Closed circuit television security system throughout the data center
- Combination proximity card and photo identification system required to gain access to facility
- Single Point of Contact (SPOC) for each client to ensure only authorized personnel has physical access to co-location space
- Flexible and redundant HVAC design that supports the cooling requirements necessary for a truly high density IT platform.
- Premier power system designed to provide continuous, redundant, and protected power.
For more information on the Latisys data center visit
http://www.latisys.com/data-center/irvine-colocation.html
Q. Bank Validation Letter!