# Advanced Compliance & Security Measures & Programs

Xplor Pay provides advanced security solutions to protect your business, simplify compliance, and minimize risks. Our comprehensive security programs include proactive monitoring, intelligent transaction controls, and easy-to-use compliance tools and protection programs.

## Advanced Fraud Monitoring <a href="#advanced-fraud-monitoring" id="advanced-fraud-monitoring"></a>

Our fraud detection system continuously monitors transactions to identify suspicious activities. This proactive approach helps:

* **Detect Fraud Early:** Identifies and stops potential fraud before it impacts your business.
* **Maintain Customer Trust:** A secure payment process gives customers confidence in your business.

## Duplicate Checking <a href="#duplicate-checking" id="duplicate-checking"></a>

Our duplicate checking feature helps prevent transaction errors by detecting and removing duplicate transactions before processing. Key features include:

* **Advanced Detection:** Smart algorithms to detect duplicates by comparing the last four card digits within a chosen time range. For more precise checks, invoice-based searching can compare both the last four digits and the invoice number.
* **Real-Time Monitoring:** Monitors transactions within a customizable time frame (1–60 minutes). If a duplicate is found, the system responds with either a 402 error or a 200 status with “Transaction Previously Approved.” Cloud-based devices always return a 200 status to confirm accurate detection.

## DataGuardian Compliance Tool and Programs <a href="#dataguardian-compliance-tool-and-programs" id="dataguardian-compliance-tool-and-programs"></a>

DataGuardian simplifies [PCI compliance](https://docs.xplorpay.com/getting-started/security-solutions/pci-compliance) and strengthens data security. Through its secure portal, you can:

* Complete your PCI self-assessment questionnaire.
* Schedule and run required vulnerability scans.
* Track your certification progress.

DataGuardian also includes comprehensive protection programs:

<details>

<summary>Data Breach Protection</summary>

Xplor Pay's Data Breach Protection Insurance Policy covers up to $150,000 in breach-related expenses. This includes:

* Hardware and software upgrades.
* Consumer notifications.
* Expert forensic guidance if a breach occurs.

</details>

<details>

<summary>Identity Protection and Restoration</summary>

Our identity protection services help business owners recover quickly from identity theft:

* **Personal Identity Theft Insurance:** Reimburses up to $1,000,000 for expenses related to restoring your identity.
* **Personal Identity Restoration:** Provides a dedicated Identity Theft Restoration Specialist to manage disputes, alerts, and fraudulent activities on your behalf.

</details>

For more information, see:

* [Protect Payments](https://xplorpay.com/protect-payments/)
* [PCI Compliance & Breach Insurance: DataGuardian Compliance & Security Program](https://support.xplorpay.com/knowledge-base/dataguardian-compliance-security-program/)
* [DataGuardian Data Breach Protection Insurance Policy](https://support.xplorpay.com/knowledge-base/dataguardian-150000-data-breach-protection-insurance-policy/)