Privacy Policy & Security Standards

How Paymintio protects your merchant data and privacy.

1. Data Minimization & Privacy First

Paymintio strictly processes notification text only for financial payment credit detection. Personal messages, OTPs, or non-payment notifications are instantly discarded locally on your device and are never transmitted to our servers.

2. HMAC Signature Verification

All server communication is encrypted over HTTPS TLS 1.3 and signed using SHA-256 HMAC authentication keys.

3. Independent Verification Engine

Paymintio is an independent notification parsing tool designed to assist merchants in verifying payment credits across PhonePe Business, Paytm, Airtel Merchant, and Bank SMS notifications.