Chapa is an INSA-certified platform. INSA is the cybersecurity agency of Ethiopia.  

Chapa doesn’t save or hold any card information. Card information is directly sent to the card processors and only used during the transaction. Our systems can only request that a service provider send their card information. 

Fraud Avoidance

An internal decision-support system created by Chapa employs adaptive rules to assess the risk of a transaction or customer. It prevents payment from going through if it fails the requisite checks. This choice is made using various data, including geography, IP addresses, past purchases and behavior, and more.