Trust as currency
Your money, data and identity are protected by advanced security technology.
Secure Card Payments
We adhere to the Payment Card Industry Data Security Standard (PCI DSS), ensuring your card details are handled with the advanced level of care.
Protected Online Transactions
3D Secure technology adds an essential safeguard to every digital purchase.
Certified Information Security
Our systems align with ISO 27001 and undergo regular independent audits to uphold robust data protection.
Privacy and Oversight
Fully GDPR compliant and licensed by the MFSA, we uphold strict standards for data privacy and regulatory transparency.
Security comes first — always
From the moment you open the app to every transaction you make, Blackcat applies end-to-end protection across systems, devices, and providers.
You stay in control
We are PCI DSS compliant and our systems align with ISO 27001
2-Step Verification
Secure every login and payment, even on a new device.
3Ds Authentication
Approve every online payment personally, avoiding the fraud.
Instant Freeze
Use card control app features to block it, freeze it, or adjust limits anytime.
Card Spending Limits
Set custom limits for each card to protect against unauthorized use and control your expenses.
You stay in control
We are PCI DSS compliant and our systems align with ISO 27001
Feel safe by design, not just by policy
Security shouldn’t be your responsibility — it should be our default.
At Blackcat, it is.
Are my funds safe?
Client funds are held in segregated accounts in accordance with applicable safeguarding legislation. Safeguarded funds are not covered by the Depositor Compensation Scheme.
How does 3DS authentication protect Blackcat card payments?
3DS authentication adds a cardholder verification step to online card payments. All Blackcat cards are enrolled in 3D Secure. When confirmation is required, approve it through the app or the available SMS process.
Who regulates Blackcat?
Blackcat is issued by Papaya Ltd, an electronic money institution headquartered in Malta. Papaya Ltd is regulated by the Malta Financial Services Authority (MFSA).
Where can I find more details about Papaya Ltd?
You can find more detailed information on the official Papaya financial institution webpage:
https://www.papaya.eu/home.
How does Blackcat ensure the security of my financial data?
We care deeply about protecting your information. Blackcat applies strict security standards and follows EU regulations, including, but not limited to the GDPR, to ensure that your financial data and funds remain safe at all times.
What happens during 3D Secure verification?
During 3D Secure verification, you confirm that you are authorising an online card transaction. Follow the confirmation instructions provided for the payment. A 3D Secure payment adds protection, but does not remove every fraud risk.
What are payment card security features?
Payment card security features are designed to support safer card use and protect account access in everyday digital payments. With Blackcat, card payments are protected with 3D Secure, an additional authentication step used to confirm that the cardholder is the person making the payment. Users can also manage card security directly in the app by setting daily and monthly spending limits, monitoring payment activity, and blocking the card if it is lost or compromised.
How can I use Blackcat as a card control app?
Use Blackcat as a card control app to monitor payment activity, set card spending limits, and freeze or block a card. If the card is lost or you notice suspicious activity, use these controls and contact support.
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