Signed transactions, scoped tokens, a smaller PCI footprint.
Payment flows are where replay, tampering, and over-broad access do the most damage. B5 Secure signs and integrity-checks every request, scopes credentials to the operation and object, and authorizes at the record — reducing both fraud surface and PCI scope by design.
A payment request is a high-value, repeatable instruction — exactly what an attacker wants to capture, replay, or alter. The recurring weaknesses are predictable: requests that can be replayed or modified in transit, API keys broad enough to move value beyond their intent, and authorization that stops at the endpoint instead of the specific account or transaction. PCI scope expands every time cardholder data or its access paths spread further than they need to.
B5 Secure is a .NET security framework, not a certification. The mapping below shows where its controls help implement a requirement — the certification and assessment remain the operator’s.
| Requirement / framework | What it asks for | How B5 maps to it |
|---|---|---|
| PCI DSS | Protect account data; restrict access; ensure integrity of transactions. | B5 helps reduce who/what can reach account data (scoped keys, data-element authorization) and protects request integrity (HMAC, replay prevention). Designed to support PCI controls; a QSA assessment is still required. |
| SOC 2 | Access control, integrity, and monitoring. | Maps to access-control and processing-integrity criteria; B5 emits per-request authorization and signature evidence. |
| ISO 27001 | Access control (A.5/A.8) and cryptography. | B5’s deny-by-default access model and keyed signatures align with the relevant Annex A controls. |
| GDPR / CCPA-CPRA | Minimize and control access to personal data. | Field-level authorization and summary-by-default responses help implement data-minimization. |
Enforcement at the line of code.
HMAC request signing
Every request carries a keyed HMAC over its canonical form — proving caller identity and that the payload was not altered. ML-DSA (FIPS 204) post-quantum signing is on the roadmap.
Replay & tamper protection
Timestamp expiry windows and nonce-based replay prevention mean a captured request cannot be resent and any change invalidates the signature.
Scoped payment credentials
Service-Key and Service-HMAC bind a credential to specific operations and objects — a leaked key cannot move value it was never scoped for.
Data-element authorization & suspension
Authorize the exact transaction and account; suspend a user or a single operation in near-real-time on a fraud, KYC, or OFAC signal.
Automated payment agents and reconciliation bots are non-human identities moving value. B5 authenticates each on every call and authorizes at the record, so an agent is bound by the same scoped permits as any other identity — and can be suspended mid-flight when a risk signal fires.
B5 Secure is a .NET security framework, not a payment processor, a tokenization vault, or a PCI certification. It is designed to reduce PCI scope and strengthen request integrity and access control; it does not store or process card data on your behalf, and it does not make a system “PCI compliant” on its own. Assessment and certification remain the operator’s.
RelatedAuthorize and sign every transaction where it executes.
Talk to us about reducing payment fraud surface and PCI scope with signed, data-element enforcement on .NET 10.
Regulated-grade enforcement, at the record.
Thirty minutes with a B5 engineer: your industry’s obligations, the B1–B5 pipeline, and a data-element authorization decision you can watch happen — with the evidence trail your examiners ask for.