PCI DSS Compliance

Ethiopian Regulations

KisPay complies with Ethiopian financial regulations and data protection laws.

Requirements for Merchants:

• Valid business registration in Ethiopia
• National Bank of Ethiopia (NBE) compliance
• Tax Identification Number (TIN)
• Proper business licenses and permits
• Adherence to Ethiopian data protection guidelines

Data Privacy

Customer Consent

• Obtain explicit consent before collecting customer data
• Clearly communicate how data will be used
• Provide privacy policy on your website
• Allow customers to access their data

Privacy Policy Requirements

Your privacy policy should include:

• What data you collect
• How data is used and stored
• Third-party services used (including KisPay)
• Customer rights regarding their data
• Contact information for privacy concerns

Security Checklist

Before going live, ensure you’ve completed these security measures:

API Security

• API keys stored in environment variables
• API keys not committed to version control
• Separate keys for test and production
• Server-side API calls only (no client-side exposure)

Network Security

• HTTPS enabled on all production URLs
• Valid SSL certificate installed
• Security headers implemented

Data Protection

• No sensitive payment data stored
• Customer data encrypted at rest
• Data retention policies implemented
• Secure backup procedures in place
• Access controls and audit logs enabled

Application Security

• Input validation on all user inputs
• SQL injection prevention implemented
• XSS protection enabled
• CSRF protection enabled
• Rate limiting implemented
• Error messages don’t expose sensitive info
• Security patches and updates applied

Compliance

• Privacy policy published
• Terms of service available
• Customer consent mechanisms in place
• Ethiopian business registration valid
• TIN registered and verified
• NBE compliance requirements met

Security Best Practices Summary

Top 10 Security Tips

1. Secure API Keys - Store in environment variables, never in code
2. Use HTTPS - All production URLs must use HTTPS
3. Validate Input - Sanitize all user inputs before processing
4. Don’t Store Credentials - Never store payment passwords or PINs
5. Update Regularly - Keep dependencies and libraries up to date
6. Monitor Logs - Review logs regularly for suspicious activity
7. Implement Rate Limiting - Prevent abuse and brute force attacks
8. Use Strong Passwords - For merchant dashboard and systems access
9. Enable 2FA - Use two-factor authentication where available
10. Regular Backups - Maintain secure, encrypted backups