UPSIDER Safety Action
Introducing our initiatives to help everyone use UPSIDER safely and securely.
UPSIDER's fraud rate: 0.0005%*1
Less than 1/100th of the credit card industry average*2
UPSIDER places the highest importance on letting users pay with confidence — safely, and without worrying about fraudulent use.
*1 Calculated as fraudulent-use amount ÷ total payment volume on UPSIDER, May–July 2023.
*2 Calculated from the Japan Consumer Credit Association's latest published data: total credit extended (Credit Card Trends Survey, Jan–Mar 2023) ÷ fraudulent-use amount (Credit Card Fraud Damage Report, Jan–Mar 2023).
Our Safety & Security Initiatives
Features users can configure
With UPSIDER's built-in features, users can protect themselves against fraudulent use.
Instant card lock / unlock
If a card is lost or a suspicious payment appears, you can temporarily lock it instantly from the web or mobile. Cancellation and reissue are also handled immediately online. You can even keep rarely used cards locked and unlock them only when needed.
Usage restrictions that prevent fraud
Unique in the industry, UPSIDER's merchant-locking feature restricts each card to specific services. Per-card limits on amount, currency, and usage period further prevent fraudulent use.
Flexible permissions (card-level access)
Control access flexibly per user and per card. Team members can view statements, attach receipts, or leave internal notes on cards they don't hold — making card management across large teams safer and more secure.
On-demand cards
Single-use virtual cards with a set expiry, amount, and merchant. Issue cards safely without employees sharing card numbers directly, enabling secure payments tailored to each purpose.
Real-time payment alerts to Slack and mobile
Notifications are sent to Slack and the iOS / Android apps on every payment and payment error. Receiving merchant and amount alerts in real time enables early detection of suspicious transactions.
Strict protection of cardholder data
Cardholder data is managed in compliance with PCI DSS — the global security standard of the credit card industry for handling cardholder data safely (certified).
UPSIDER's initiatives
Beyond product features, UPSIDER detects fraudulent use quickly and provides a support structure you can rely on.
Identity verification (3-D Secure 2.0)
For online payments at high-risk merchants, 3-D Secure 2.0 verifies the cardholder's identity in addition to card number and expiry — preventing impersonation through stolen card details before it happens.
Fraud detection by AI and human operators
A dual monitoring structure combines AI surveillance with human operators who judge cases the AI cannot. The latest fraud patterns are incorporated daily to counter new tactics.
High compensation for fraudulent transactions
For losses caused by fraudulent use due to loss, theft, or leakage of UPSIDER card details, UPSIDER compensates up to 20 million yen. *Certain conditions apply.
Strict protection of cardholder data
Cardholder data is managed in compliance with PCI DSS v3.2 — the global security standard of the credit card industry for handling cardholder data safely (certified).
Users who reduced their fraud risk
Use UPSIDER even more safely with the app
The UPSIDER app lets you register receipts in two steps and log in securely with Face ID / Touch ID. Real-time alerts on payments and errors mean fraudulent use is detected instantly.
