Security and Fraud

With Nochex, you get cutting edge security and fraud prevention for your peace of mind

The security of your money and information is at the core of our business, and we have a solid track history in this area to give you peace of mind. As you would expect, we have extremely robust security measures in place to protect both your information and your transactions.

We provide all our Merchants and UK Traders with anti-fraud tools that should enable you to minimise your risk to fraud and reduce potential losses. Please visit our Merchant Fraud Prevention and UK Trader Fraud Prevention pages for more information.

Encrypted data transfer

Sensitive information is encrypted in transit using the Secure Sockets Layer (SSL) protocol. We use the highest commercially available encryption key length of 256-bits provided by GeoTrust.


You can validate the Nochex secure server certificate by clicking the above image.

Encrypted data storage

All sensitive information is held in an encrypted form on our servers using techniques that are recognised as robust and secure by the industry. Each Nochex account has its own unique encryption key to protect that account.

Physically and electronically protected servers

Your information is held on secure servers that are hosted with one of the UK's leading ISP's in a high security data environment that is also used by many UK high street and Internet banks.

The servers that hold your information are protected by secure advanced firewall technology and are not directly connected to the Internet. Only authorised computers can access your encrypted information.

Securiclick card validation

In order to protect you, other Nochex users and ourselves against potential fraudulent card usage, we perform a Securiclick card check on all registered cards the first time they are registered with the Nochex system.

Nochex undertake Securiclick card verification on all Nochex UK Trader and all Nochex Merchant account holders. This Securiclick card check is also undertaken on full Nochex Personal account holders, but not on consumers who make Xtra payments.

To successfully register a card with Nochex, we need to confirm that you have legitimate access to the account that the card draws funds from. To do this, we will withdraw a random payment (between £0.01 and £1.99) from your bank or credit card account. When you confirm this amount, it helps to identify you as the legitimate owner of that card. Having successfully registered a card, the full card details will not be displayed in the future.

Card authorisation

All authorisation requests for customer card transactions are made through a secure private network connection to the banking payment system.

Email verification

We confirm each new user's registered email address by sending a unique confirmation code to the specified email address. When this code is successfully replied to, this increases our confidence of the ownership of that email address.