Account Security
Protecting Global Business Payments with Confidence
Trust is the foundation of every financial relationship. At Harbix, we recognise that businesses rely on us to move funds across borders safely, efficiently, and transparently. Every payment represents more than a transaction—it may support international trade, supplier relationships, payroll obligations, operational expenses, or business growth.
Our responsibility is to provide a payment environment that helps protect those transactions throughout their lifecycle.
Security is not a single feature or technology. It is an ongoing commitment that combines secure platform design, intelligent risk management, compliance-focused processes, operational oversight, and continuous monitoring to support the integrity of every payment.
As financial risks continue to evolve, so do the measures used to address them. Harbix continuously reviews its security practices and operational controls to strengthen resilience, support regulatory expectations, and help protect customers from emerging threats.
Our Security Philosophy
Security should enable business, not slow it down.
Our approach is designed to help businesses move money internationally with confidence while maintaining appropriate safeguards to protect accounts, payments, and customer information.
Every stage of the payment journey is supported by controls that help identify unusual activity, reduce operational risk, and promote transparency. Where additional verification is required, we aim to communicate clearly, explain why action is needed, and minimise unnecessary disruption to legitimate business activity.
We believe effective security combines technology, operational expertise, and responsible governance—not simply automated systems.
Our Security Principles
The Harbix Security Framework is built on six core principles that guide the way we design, operate, and continuously improve our platform.
Protect Every Payment
Every payment is processed through security and risk controls designed to support payment integrity, identify unusual activity, and help reduce the risk of unauthorised transactions. Our objective is to maintain confidence throughout the payment lifecycle while supporting efficient cross-border business payments.
Protect Every Account
Business accounts contain sensitive financial information and payment capabilities that require strong protection. Harbix supports account security through layered authentication, controlled access, activity monitoring, and account protection measures designed to help safeguard customer accounts throughout their use.
Support Responsible Global Payments
International payments operate within a regulated financial environment. Harbix supports responsible payment practices through compliance-focused processes intended to help meet applicable regulatory obligations, strengthen payment integrity, and support the responsible movement of funds across international markets.
Protect Customer Information
Protecting customer information is fundamental to maintaining trust. We are committed to supporting the confidentiality, integrity, and appropriate handling of customer information through technical safeguards, operational controls, and responsible data management practices.
Promote Transparency
Businesses should never feel uncertain about the progress of an important payment. We believe customers should have clear visibility throughout the payment journey, supported by timely updates and transparent communication whenever additional review or information is required. Transparency helps businesses plan with greater confidence and reduces uncertainty during international transactions.
Continuously Improve
Financial crime, cyber threats, and regulatory expectations continue to evolve. Our approach to security is therefore one of continuous improvement. We regularly assess our processes, review operational practices, and strengthen our controls to support a resilient and trusted payment platform.
Security Throughout the Payment Journey
Security is integrated throughout the entire payment lifecycle rather than applied at a single stage. From account onboarding and business verification through payment initiation, review, processing, settlement, and completion, multiple operational and technical controls work together to support secure payment processing.
Where additional review is necessary, our objective is to balance customer experience with responsible risk management while communicating clearly throughout the process.
A Shared Responsibility
Protecting international payments is a shared responsibility between Harbix and our customers. While we are committed to maintaining secure systems and responsible operational controls, businesses also play an important role by protecting account credentials, verifying payment instructions, and remaining alert to increasingly sophisticated fraud techniques.
Working together strengthens the security of every payment.
A Layered Approach to Account Protection
Account security cannot rely on a single control. Effective protection requires multiple safeguards working together. Harbix’s account security approach is designed around:
These measures help support secure access while allowing businesses to manage their financial operations efficiently.
User Identity Verification
Before providing access to sensitive account functions, Harbix may require verification to help confirm that the person requesting access is authorised.
Additional verification may be required when:
- A user signs in from a new device.
- Access patterns differ from previous activity.
- Sensitive account information is updated.
- Security-related changes are requested.
- Additional confirmation is needed before completing certain actions.
Verification helps reduce the risk of unauthorised access and protects businesses from account misuse.
Business User Access Management
Business accounts often require access for multiple employees, finance teams, and operational users. Harbix supports the principle of providing users with appropriate access based on their responsibilities.
Examples of access roles include:
Businesses should regularly review user access and ensure permissions remain appropriate as teams and responsibilities change.
Protecting Sensitive Account Changes
Certain account changes can affect the security and control of a business account. Examples include:
- Adding or removing authorised users
- Updating business information
- Changing account settings
- Updating contact details
- Modifying security preferences
Where appropriate, Harbix may apply additional verification before completing sensitive account changes.
Account Activity Monitoring
Monitoring account activity helps identify situations that may require additional review. Harbix may assess account activity signals such as:
- Login behaviour
- Device information
- Access patterns
- Account changes
- User activity
If activity appears inconsistent with expected account behaviour, additional verification may be required.
Secure Login Practices
Businesses play an important role in protecting their accounts. Recommended practices include:
- Use strong and unique passwords.
- Never share passwords or authentication information.
- Avoid accessing accounts from unsecured devices.
- Keep business contact details updated.
- Remove access immediately when employees leave the organisation.
- Review account users and permissions regularly.
Session Protection
To help protect account information, security controls may be applied during active account sessions. These may include:
- Session monitoring
- Automatic logout after periods of inactivity
- Additional verification before sensitive actions
- Protection of account sessions from unauthorised use
These measures help reduce the risk of unauthorised access, particularly when users access accounts from different locations or devices.
If You Suspect Unauthorised Account Access
If you believe your Harbix account may have been accessed without permission:
- Contact Harbix Support immediately.
- Secure your account access (change password/credentials).
- Review recent account activity.
- Inform relevant internal business stakeholders.
- Follow any additional security steps provided by Harbix.
Early reporting helps enable faster investigation and appropriate protective action.
Frequently Asked Questions
Why do I need to verify my identity?▼
Verification helps confirm that only authorised individuals can access sensitive business account functions.
Can multiple employees access one business account?▼
Where available, businesses can provide access to authorised users based on their responsibilities and required permissions.
Why should businesses manage user permissions carefully?▼
Controlling who can access account functions helps reduce operational risks and supports stronger internal governance.
How often should account access be reviewed?▼
Businesses should regularly review authorised users and permissions, especially after staff changes, role changes, or organisational updates.