🔒 Security & Trust

Your financial data
is safe here.

PowerPayoff is built on institutional-grade infrastructure. We never see your bank password, never store your credentials, and never sell your data — and we tell you exactly how we make money.

93/100
Coalition Cyber
Health Rating
Great
0
Critical security
findings detected
Verified May 2026
0
Data leaks or
breaches found
All clear
What PowerPayoff does — and doesn't do
✓
Read-only bank access

PowerPayoff connects via Stripe Financial Connections and can only read your balances and transactions. We cannot move money, initiate payments, or modify your accounts in any way.

✓
We never see your bank password

You authenticate directly with your bank through Stripe's secure Financial Connections interface. Your credentials are never transmitted to or stored by PowerPayoff.

✓
No credit decisions. No hard pulls.

PowerPayoff does not access your credit report, does not report to credit bureaus, and has no impact on your credit score.

✓
No lending. No financing.

PowerPayoff is a monitoring and alert tool only. We are not a lender, broker, or financial advisor.

✗
We do not sell your data

Your account information is never sold, rented, or shared with third parties for advertising or targeting purposes. Full stop.

How PowerPayoff makes money — full transparency
💰
Two revenue streams. Both disclosed.
We believe transparency about monetization is a trust signal, not a liability.
1
Subscriptions

Lite ($3.99 per month) and Pro ($7.99 per month) plans. This is our primary revenue. No ads, no data selling, no surprises. A 14-day free trial is included on all paid plans.

2
Contextual affiliate recommendations

Occasionally PowerPayoff surfaces financial products — a credit card with better rewards for your spending pattern, a credit monitoring service, or a balance transfer offer that could save you money. If you apply and are approved, PowerPayoff receives a referral fee from the partner. These recommendations are always clearly labeled.

✓ What this means
✓Recommendations matched to your actual account profile
✓Every offer is clearly labeled as a recommendation
✓You are never required to engage with any offer
✓Matching happens inside PowerPayoff — not outside it
✗ What this does not mean
✗We do not sell your data to partners
✗Partners cannot target you directly
✗Your financial data never leaves PowerPayoff
✗Affiliate revenue does not influence our alerts or advice
The key distinction: Your data never leaves PowerPayoff. When we surface a relevant offer, the match is made internally using your profile. The partner receives a referral signal — not your financial information. This is fundamentally different from selling data.
Data security commitments
🔒
AES-256 encryption
All data encrypted at rest and in transit — the same standard used by major financial institutions and government agencies worldwide.
🛡️
Row-level security
Every database query is scoped to your account. It is architecturally impossible for one user to access another user's data.
👁️
No credential storage
Bank login credentials are never transmitted to PowerPayoff servers. Stripe Financial Connections handles bank authentication directly in its secure environment.
☁️
SOC 2 infrastructure
Hosted on Supabase and Cloudflare — both SOC 2 Type II certified infrastructure providers. Your data never lives on unmanaged servers.
📱
Read-only API access
Stripe Financial Connections access is read-only for PowerPayoff's use case. PowerPayoff can never initiate transactions, transfers, or any changes to your bank accounts.
🔍
Independent verification
Scored 93/100 by Coalition's independent cyber risk assessment — 0 critical findings, 0 data leaks, 0 malware detected as of May 2026.
Powered by trusted infrastructure
Stripe Financial Connections Bank connectivity

Read-only access to your connected account data through Stripe's secure Financial Connections flow. Your credentials are never stored by PowerPayoff.

Stripe Payments

All subscription billing handled by Stripe — PCI DSS Level 1 certified. PowerPayoff never stores your payment card information.

Cloudflare Security & CDN

Enterprise-grade DDoS protection, WAF, and SSL/TLS on every request. PowerPayoff traffic secured by Cloudflare's global network.

Twilio SMS alerts

Statement-close SMS alerts delivered via Twilio — a Fortune 500 communications platform. A2P 10DLC compliant. Reply STOP anytime to opt out.

Supabase Database

PostgreSQL database with row-level security and SOC 2 Type II certified infrastructure. Automated backups. Your data on managed, audited servers only.

Coalition Cyber verified

Independent cyber risk assessment by Coalition — a leading cyber insurance provider. Scored 93/100 with zero critical findings. May 2026.

Questions about security or privacy?

We respond to all security inquiries within 24 hours.

✉️ support@powerpayoff.com