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What Is Push Payment Fraud and How to Protect Yourself?

Learn more about Authorised Push Payment (APP) Fraud and what support Kixy can offer you Push Payment Fraud, also called Authorised Push Payment (APP) Fraud, happens when scammers deceive you into sending them money. They often pretend to be trusted entities like businesses, family members, or government officials to create a sense of urgency or necessity Common Types of Push Payment Fraud 1. Purchase Scams: Paying for items like tickets or goods that never arrive 2. Investment Scams: Being lured into fake investments with promises of high returns 3. Impersonation Scams: Fraudsters pretending to be banks, tax authorities, or trusted organisations How to Protect Yourself - Verify Before You Pay: Always confirm the identity of the recipient using a verified contact method - Be Wary of Unsolicited Requests: Fraudsters often pressure you with urgent claims to force quick action - Pause and Reflect: If something feels off, trust your instincts and double-check before proceeding How Kixy Helps Protect You Kixy employs advanced fraud detection tools and multiple security measures to detect suspicious activity. However, since payments can be challenging to reverse after completion, always double-check your transaction details For further tips, see our Fraud prevention and suspected fraud article How to Report Fraud If you suspect fraud, report it to Kixy immediately. Our team will investigate and, where possible, assist in recovering your funds Steps to Report Fraud to Kixy: 1. Via the App or Website: - Go to Transaction History - Select the suspicious transaction and click Report 1. Contact Us Directly: - In-app chat After speaking with Kixy AI agent, tap on 'talk to a person' and a customer support agent will pick up your conversation or email fraud@kixy.com Our Fraud Team will investigate and provide updates throughout the process Additional Support if You’re a Victim of Fraud - Your Bank or Credit Card Provider: If linked to your Kixy account, notify your bank or credit card company immediately. They can secure your funds and prevent further unauthorised activity - Local Police: Report any fraudulent activity to law enforcement, especially if funds are lost - Action Fraud (UK): UK customers can report fraud at Action Fraud or by calling 0300 123 2040 Important: Always ensure you’re contacting official organisations through their verified websites or phone numbers. Be cautious about sharing personal or financial information, and avoid interactions with unverified individuals claiming to represent trusted entities By staying informed and vigilant, you can help protect yourself against push payment fraud

Last updated on Sep 30, 2025

Security & Privacy Features

Protecting your account and personal data is our top priority. Kixy offers robust security measures to keep you and your money safe How Kixy Secures Your Account Here are the key features we provide to ensure your account’s safety: Two-Factor Authentication (2FA) - Adds an extra layer of security by requiring a verification code in addition to your password Privacy Mode - Hides your account and wallet balances from being displayed on the home screen Biometric Authentication - Offers fingerprint or facial recognition login for quick, secure access (available on supported devices) Encryption - All sensitive data is encrypted, ensuring protection throughout every transaction Secure Device Management Gives you the ability to: - Review devices accessing your account - Remove unrecognised devices - View details like the last active time, device type, and IP address Device authorisation - Notifies you whenever your account is accessed from a new device Automatic logout - Logs you out after a period of inactivity to prevent unauthorised access What to Do If You Notice Suspicious Activity If you suspect unauthorised activity on your account, take the following steps immediately: 1. Freeze or Unfreeze Your Card - Use the app to temporarily freeze your card - If necessary, order a replacement card 2. Contact Customer Support - In-App Chat: Start a chat with our Customer Support team through the app. After speaking with Kixy AI agent, tap on 'talk to a person' and a customer support agent will pick up your conversation - Email: Or, send a message to support@kixy.com 3. Change Your Credentials - Update your password, app passcode, and enable 2FA if you haven’t already 4. Secure Device Management - Remove unrecognised devices from your account via Settings > Security & Privacy. For more information on handling fraud, check out our Fraud prevention and suspected fraud article. How to Enable Two-Factor Authentication (2FA) To set up 2FA: 1. Log in to your Kixy app 2. Go to Settings > Security & Privacy > Two-Factor Authentication 3. Follow the prompts to enable 2FA using your mobile number Once activated, you’ll need a verification code every time you log in. Biometric Authentication Setup Biometric authentication allows secure login using fingerprint or facial recognition. To enable it: 1. Go to Settings > Security & Privacy > Biometric Authentication 2. Follow the instructions for your device This method combines convenience with high security. Resetting Your Password If you cannot remember your account password: 1. Start at the Kixy login screen when you open the app 2. Select “Log In” 3. Click/Tap on the “Forgot your Password?” link 4. Enter your registered email address 5. Wait for a text message on your registered mobile number 6. Enter the 6-digit verification number we texted to you in the next screen on the app 7. Create your new password For enhanced security, create a strong password using numbers, symbols, and a mix of uppercase and lowercase letters. Managing Devices Logged Into Your Account Keep track of device activity: 1. Open the Kixy app 2. Go to Settings > Security & Privacy > Device Management 3. View the list of logged-in devices, including their details (last active time, device type, IP address) 4. Remove any unrecognised devices You’ll also be notified of new logins under Notifications > New Device Login Detected. Preventing Phishing Attacks Stay vigilant to avoid phishing scams: - Kixy will never ask for your password or PIN via email, chat or text - Always verify the sender’s email address or phone number - Avoid clicking suspicious links or attachments - Report phishing attempts to our security team immediately For more tips, check out our Fraud prevention and suspected fraud article. How Kixy Protects Your Personal Information We use advanced encryption to safeguard your data during every transaction. Additionally, Kixy adheres to strict data privacy regulations, ensuring your information is handled securely.

Last updated on Sep 30, 2025

Lost, Stolen and Damaged Cards

Learn what to do if your card is lost, stolen or damaged, including how to secure your account Immediate Actions to Take If your card is lost or stolen: - Check your recent transactions for any unusual activity - Freeze your card immediately through the Kixy app or website - Report any suspicious transactions to our Customer Support team - Order a replacement card if needed Accessing Card Security Features To manage your card security: In-App or Website 1. Open your Kixy app or head to app.kixy.com 2. Tap on Accounts 3. Select the card icon in the top right corner 4. Tap Manage Cards Securing Your Card Temporary Freeze For added security, you can freeze your card at any time in-app or through our website: 1. Open your Kixy app or head to app.kixy.com 2. Tap on Accounts 3. Select the card icon in the top right corner 4. Tap Freeze 5. Your card will be temporarily blocked from all card transactions 6. Tap Unfreeze when you want to use your card again Replacing Your Card When you need a replacement, tap Replace Card in the Manage Cards menu. You'll have two options: New Card Number Choose this option if: - Your card is lost and you can't find it - Your card has been stolen - You suspect fraud - You want maximum security This will issue a completely new card with a new card number and expiry date. Your current card will be terminated immediately for your security. You may need to update any existing subscriptions or stores of your new card details when it arrives. Same Card Number Choose this option if: - Your card is damaged - Your card isn't working properly - Your card has expired This will issue a new card with the same number but an extended expiry date. Your current card will be terminated when the replacement is issued. Please note: Card replacement fees may apply Terminating Your Card If you want to cancel your card without receiving a replacement: 1. Go to the Manage Cards menu 2. Select Terminate Card 3. Confirm your decision This will permanently deactivate your card, and no new card will be issued. If you need a new card later, your order one through the app by tapping on Add Card

Last updated on Sep 30, 2025

How to Obtain a Copy of Your Data

An introduction to Data Subject Access Requests (DSAR) Data Subject Access Requests (DSAR) A Data Subject Access Request (DSAR) allows you to request access to the personal data that Kixy holds about you. This is your right under the UK General Data Protection Regulation (UK GDPR). With a DSAR, you can find out: - What personal data we collect about you - How we use your data - Who we share your data with How to Request Your Data You can request your personal data by contacting our Customer Support team. Use one of these methods: - In-app chat: Start a chat with our Customer Support team through the app. After speaking with Kixy AI, tap on 'talk to a person' and a customer support agent will pick up your conversation - Email: Or, send a message to dpo@kixy.com Make sure to include the phrase “DSAR Request” in your email subject line or message. This helps us process your request faster 🙏 If you need specific accommodations, such as a particular format for your data, please let our Customer Support team know when you make your request Information We Need From You To locate your data and verify your identity, please provide the following details: 1. Your full name 2. The email address associated with your Kixy account 3. Your Kixy account number 4. A brief description of the information you need. For example: - Specific time periods - Categories of information (e.g., transaction history) - Certain documents or statements Response Time We aim to respond to your Data Subject Access Request (DSAR) within 30 days of receiving it. However: - For complex requests or multiple submissions, we may need more time (up to an additional 60 days) - If an extension is needed, we will notify you within the first 30 days ⚠️Important: In some cases, we may need to redact sensitive information. Any redacted sections will be clearly marked Costs and Fees Data Subject Access Requests (DSAR) are usually free of charge. However: - If your request is unfounded, excessive, or repetitive, we may charge a reasonable fee to cover administrative costs - In extreme cases, we may refuse to process such requests

Last updated on Sep 30, 2025