Compliance
Regulatory compliance & security
Terra Switch operates under the highest standards of regulatory compliance, security, and operational transparency required by the Central Bank of Nigeria.
PCI DSS Compliance
Req #10
Terra Switch maintains Payment Card Industry Data Security Standard (PCI DSS) Level 1 certification — the highest level of certification available. Our infrastructure, processes, and controls are audited annually by a Qualified Security Assessor (QSA).
Dispute Resolution
Req #8
In compliance with CBN regulations, Terra Switch resolves failed transactions and dispense errors within the following timelines:
Failed Web/POS Transactions & Dispense Errors
Acquirer-initiated refunds resolved within 48 hours of confirmation.
Switch Chargebacks
Switch-initiated chargebacks resolved within 24 hours.
Whistleblowing
Req #18
Terra Switch is committed to the highest standards of integrity, ethics, and regulatory compliance. We provide a confidential channel for employees, merchants, and users to report internal corruption, financial malpractice, or unethical breaches.
How to report
- Email: whistleblower@terraswitching.com
- All reports are treated as confidential. Anonymous reporting accepted.
- Whistleblowers are protected from retaliation under our internal policy.
Vulnerability Disclosure
Req #21
We welcome reports from external security researchers who identify potential vulnerabilities in our systems. If you have discovered a security issue, please contact our security team using the channel below.
Responsible disclosure
- Email: security@terraswitching.com
- We aim to acknowledge reports within 24 hours.
- Eligible reports may qualify for recognition under our security researcher program.