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Security

System Security

eLayaway uses 256-bit Secure Socket Layers Encryption (SSL) whenever sensitive information is sent or received. A SSL connection encrypts all information sent between your browser and our server. This provides an extremely high degree of confidentiality. All data sent over an encrypted SSL connection is protected with a mechanism for detecting tampering. It will automatically determine whether the data has been altered in transit.

McAfee Secure Certified

New security threats and fraudster methods are uncovered daily and require a proactive approach to prevention. In addition to eLayaway's strict policies and ID address verification procedures, eLayaway has partnered with McAfee. Our systems are scanned daily by McAfee replicating hacker attacks, to identify, measure and prioritize our website's security, privacy, quality, accessibility and compliance risks.

McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Financial Security

Financial security is always the most important aspect of a functioning payment process. To ensure the highest levels of security for our consumers and merchants we have chosen to use cash management services provided by HSBC Bank. HSBC is one of the largest, FDIC insured financial institutions in the world. They boast cutting edge cash management technology and the ability to allow our merchants individual access into their bank web site. This makes it easy to monitor accruing funds and transactions.

Fraud Security

The eLayaway system is one of the most fraud resistant payment systems available. The process of paying over time before item delivery does not work well when a criminal is trying to quickly make a purchase, take delivery and disappear. The eLayaway system also verifies the identity of every consumer who makes a purchase through the system or changes important account information. This makes an individual accountable if they decide to use another person's banking information to fund a transaction or switch important data. The eLayaway system does not allow transfers of money between any two or more accounts. This decision was made to eliminate internal network theft. The management of eLayaway works hard to make sure we are operating the most fraud resistant payment system on the Internet.

Information Security

eLayaway takes pride in protecting the information of our merchants and consumers. The information that is collected is stored safely in our database and is never shared with any third party companies.