How your money is protected at every stage.
At Dinheiro, your peace of mind is our top priority. We understand that the safety and security of your money is fundamental to your trust in us. That's why we partner with Sciopay Ltd., the payment institution responsible for safeguarding and processing your funds so you can be confident that your money is protected at every stage.
Sciopay holds all client funds separately from its own operational accounts, in strict accordance with regulatory requirements. This means your money is never mixed with Sciopay's company funds and is kept safe within reputable, regulated partners. In the event that Sciopay ceased operations, your funds would remain secure and accessible, as they are legally protected and held independently.
Sciopay Ltd. is authorised by the Financial Conduct Authority (FCA) as an Authorised Payment Institution, Firm Reference Number: 927951. This means all activities are conducted under robust regulatory supervision, giving you confidence that your funds are managed according to the highest industry standards.
Sciopay is certified by the government-backed Cyber Essentials scheme, which protects you against the most common cyber threats. This certification demonstrates Sciopay's commitment to maintaining a secure digital environment for all client transactions.
Sciopay ensures all confidential information is encrypted both at rest and during transmission. The company uses industry-leading encryption technologies and follows best practices for key management, so your data is protected.
The Sciopay platform undergoes regular penetration testing by independent experts. This proactive approach helps identify and address potential vulnerabilities such as code injection or cross-site scripting before they can pose a risk.
Sciopay's services operate on cloud-native infrastructure, leveraging the world-class security and compliance of Amazon Web Services (AWS) and Microsoft Azure. Both providers hold an extensive range of global compliance certifications, reflecting their commitment to data centre security and best practices.
Access to the Sciopay platform is strictly controlled through a role-based, multi-level security structure. Sciopay requires two-step and multi-factor authentication for all users, and every login or transaction is closely monitored and audited for suspicious activity.
While Sciopay works tirelessly to keep your funds secure, fraud remains a persistent threat. Sciopay is dedicated to protecting you from scams and stays ahead of emerging risks.
Criminals may try to trick you into sending money to a fraudulent account, often by impersonating trusted contacts or companies. Always verify payment instructions, especially if you receive last-minute changes to bank details.
Fraudsters may intercept emails and impersonate legitimate businesses to redirect payments. Always confirm payment details directly with the intended recipient before making a transfer.
Sciopay complies with the UK Data Protection Act (DPA) and the EU General Data Protection Regulation (GDPR), ensuring that your personal data is handled with the utmost care and confidentiality.
Sciopay only works with reputable partners who are themselves FCA regulated and committed to the highest standards of security. This ensures that your funds are in safe hands, no matter where they go.
You are part of a growing community of clients who trust Sciopay to process over £100 million in payments every month. Sciopay's commitment to security, transparency, and regulatory excellence is at the heart of everything it does.
If you have any questions about the security of your funds or Sciopay's processes, please reach out to our team at support@dinheiro.uk.
Dinheiro Limited. Registered in England & Wales, Company Number 15820088. Registered office: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ. Payment services provided by Sciopay Ltd, FRN: 927951.