Security isn't a feature — it's the baseline.
Every account, on every service, sits behind the same controls. Here's exactly what protects your money and your data.
256-bit encryption
All traffic between your device and our servers is encrypted with TLS 1.2+. Card details are never stored on our servers — they're tokenized by our processor.
Transaction PIN & biometrics
Every payment requires a PIN or Password confirmation. PINs are hashed, never stored in plain text, and locked after repeated failed attempts.
Real-time alerts
You're notified instantly for every transaction, login from a new device, and security-relevant account change.
Fraud monitoring, 24/7
Automated systems flag unusual activity in real time, backed by a human review team that can freeze an account on request.
Licensing and regulatory standing
- Registered under the Corporate Affairs Commission (CAC) Nigeria.
- Certified card processing, through our licensed processor.
- Independent annual security audits and penetration testing.
Found a vulnerability?
We run a responsible disclosure program. Report security issues directly to our security team and we'll respond within 48 hours.
What you can control
- Set Strong Password or Password for app access and payments.
- Set Quiet Hours to mute non-critical notifications without disabling security alerts.
- Review connected devices and log out of sessions you don't recognize.
- Never share your PIN or one-time passcode with anyone, including someone claiming to be Bill Trick staff.
- We will never call or message you asking for your PIN.
- Report a lost device immediately from Profile & Settings or by contacting support.