AirwallexVisa
60+ Licenses. 0.5s Fraud Protection. Seamless Global Fund Flow.
Security: The Cornerstone of All Services
When choosing a financial service partner, security and compliance are always top priorities. Airwallex has built a security system
adhering to world-class standards, becoming a reliable pillar for global enterprises in fund management.
Global Compliance Network: Trust Backed by Qualifications
As a leading fintech company holding over 60 global financial licenses and permits, Airwallex operates in more than 150 countries and
regions, with regulatory approval in key markets including Australia, Singapore, the UK, the US, the EU, Brazil, and Mexico. In early 2025 we obtained the payment license from Brazil's central bank and completed the acquisition of an electronic payment institution in Mexico further deepening our compliance layout in the Latin American market. In the US, we are registered with the Financial Crimes Enforcement Network (FinCEN); in Europe, we strictly comply with GDPR regulations, with every operation under close supervision by local regulatory authorities.
Bank-Grade Technical Protection: Impenetrable Data Security
Compliant with PCI DSS Level 1, the highest security standard in the payment card industry, ensuring
absolute security of credit card transaction data; has maintained SOC 2 Type II certification since 2021, with annual independent
validation of control effectiveness by Ernst & Young (EY).Triple International Certifications:
End-to-End Encryption Technology: Adopts TLS v1.2 for transmission encryption and AES-256 for storage encryption, combined with RSA
keys and SSL protocols to prevent unauthorized access throughout the entire data lifecycle—from generation to storage.
Mandatory Two-Factor Authentication (2FA): All accounts have 2FA enabled by default. Beyond passwords, a secondary verification via
mobile device verification code is required, eliminating the risk of account theft at the source.
Intelligent Risk Control System: Securing Funds in 0.5 Seconds
Airwallex has built a dual-layer risk control defense system combining "AI algorithms + global teams":
A machine learning model trained on millions of user behavior data points can real-time identify abnormal transaction patterns
achieving fraud interception within 0.5 seconds for scenarios such as Airwallex Visa card payments.
A 24/7 global anti-fraud team handles thousands of security alerts daily. Combined with proactive defense measures like red team
exercises and penetration testing, the system ensures consistent protection effectiveness.
Merchants can customize risk control rules and black/white lists, and flexibly trigger 3DS 2 authentication—effectively combating fraud
while maintaining high approval rates for legitimate transactions.
Segregated Fund Deposits: Full Transparency in Fund Flows
All client funds are deposited in segregated accounts at globally systemically important banks (GSIBs) such as JPMorgan Chase and
Barclays Bank, strictly separated from operational funds. The system automatically verifies payment instructions and account balances
daily, with regular security audits by third-party institutions—ensuring every fund movement is traceable and verifiable.
Beyond Security: Redefining Efficiency
With its self-built global financial infrastructure at the core, Airwallex provides enterprises with an integrated fund management solution:
Borderless Global Collection & Disbursement
Supports local clearing system collections in over 60 countries and regions, and local disbursements in more than 120 countries and regions. Covers major card networks including Visa, Mastercard, and UnionPay, with transaction authorization rates significantly higher
than the industry average.
Enables multi-currency accounts to hold balances in more than 20 currencies, supporting local currency settlement directly to avoid
costs from mandatory currency conversion.
Agile Integration & Management
Quick integration of payment collection, disbursement, currency exchange, and card issuance functions via API interfaces. Pre-built
components reduce launch cycles to just a few days.
Offers foreign exchange tools such as rate locking and forwards, covering over 1,000 currency pairs to manage foreign exchange
fluctuation risks with ease.
Trusted Industry Partners
From ZipHQ's corporate expense management system and Brex's global employee expense reimbursement to Navan's travel expense
settlement, Airwallex has become a core pillar for over 150,000 global enterprises in expanding their businesses. It is also a long-term
partner of renowned platforms including TikTok Shop and Amazon.
