Guardians of Your Data: How Synchrony Keeps Your Payments Safe and Sound

Key Takeaways

• Fraud detection & real-time monitoring: Synchrony uses AI-driven monitoring and fraud detection tools to identify unusual activity quickly and alert you so you can act fast.
• Customer-controlled access security: Features like card lock/unlock, transaction alerts, and secure login options (password, biometrics, MFA) let you directly manage and restrict account access.
• Encryption & tokenization for data protection: End-to-end encryption helps protect data in transit and storage, while tokenization in digital wallets replaces your card number with a one-time digital code to reduce exposure.

Whether you're using a mobile app, digital wallet or card, digital payments can help make the purchasing process almost seamless. But you may be wondering if they're secure. If you use Synchrony products, your information is protected through multiple layers of security at every step. This approach helps safeguard your transactions—from shopping to banking—and alerts you quickly if something seems out of place. Let's look at some key security features offered across our products that can help you manage payments securely, even in today's digital wild west.

1. Protecting Your Credit Card from Synchrony

No matter which Synchrony-issued credit card you use, multiple safeguards work together to help keep your transactions and data secure.

Fraud detection

Synchrony uses advanced fraud detection technology and monitoring tools to help detect unusual activity quickly. If something doesn't look right, you can receive a notification to review your account right away.

Card lock/unlock features

You can easily lock or unlock your card through the Synchrony app or website. Locking your card temporarily blocks new purchases—a convenient option if your card is misplaced or lost.

Real-time transaction alerts

By setting up account alerts, you can receive notifications for unauthorized purchases or suspicious activity, helping you stay aware of the transactions on your account at all times.

2. Securing Your Synchrony Mobile App

Synchrony's mobile app is designed with multiple layers of protection so you can manage your accounts safely and conveniently.

Secure login protocols

Your app is protected with secure login options—and you control how you sign in.

• Password: A foundational layer of security, creating a unique passphrase can help keep your account safe.
• Biometrics: Enable Face ID, Touch ID or fingerprint authentication for faster, safer access.
• Multifactor authentication (MFA): An extra layer of verification through a code sent by text or email helps to confirm it's really you if the device activity looks suspicious.

Advanced encryption

All data stored or transmitted through the Synchrony app is protected with industry-standard encryption designed to prevent unauthorized access.

Ongoing app updates

The Synchrony app is updated regularly to strengthen security and patch vulnerabilities as soon as possible. Turning on automatic updates ensures you always have the latest protection.

3. Safeguarding Your Digital Wallet

Digital wallets typically have security features built in, such as features that help keep every transaction protected.

• Tokenization: Each purchase uses a unique digital code instead of your actual card number, helping protect your information even if a transaction is intercepted.
• Compatibility with secure platforms: Synchrony works with trusted providers like Apple Pay and Google Pay, which include their own built-in layers of protection.
• Authentication requirements: Before any wallet payment is approved, you'll verify your identity through biometrics such as Face ID or Touch ID.
• Continuous monitoring: Behind the scenes, Synchrony actively monitors for unusual wallet activity and takes action to help prevent unauthorized transactions.

4. Keeping Your Bank Account Safe

Linking your bank account to a Synchrony product is convenient—and secure. We use advanced tools and procedures to help protect your financial data:

• Secure integration: Encryption and secure connections between where you shop and where you bank help protect your information during purchases and transfers.
• Verification procedures: Adding or updating a linked account requires verification steps to confirm it's really you.
• Real-time monitoring: Synchrony monitors for unusual activity and sends alerts if something unexpected occurs.

You can also open and link a Synchrony high yield bank account that includes the same strict fraud prevention and security protocols we use with our other products.

5. Cross-Platform Security Measures: The Guardianship That Spans it All

Synchrony's security features act as an ever-vigilant guardian, protecting your data around the clock. To make sure nothing slips through the cracks, we employ an extensive security framework that spans every platform and product, tying protections together seamlessly:

• End-to-end encryption: Transactions and communications are encrypted to help keep your information secure from start to finish.
• AI-powered fraud detection: Advanced fraud monitoring runs 24/7 to help detect and respond to suspicious activity in real time.
• Customer education: Ongoing resources can help you recognize scams and phishing attempts before they happen.
• Privacy protection: Strict privacy standards help ensure your data is collected and used responsibly.
• Compliance with industry regulations: Synchrony's systems meet industry regulations such as PCI DSS and undergo regular security audits.

Keeping Your Payments Safe, Simple and Smart

Synchrony's commitment to protecting your data at every step of the payment process means you can use your digital wallet, apps and cards with security, privacy and trust—across every payment type and device. By taking advantage of the built-in protections and alerts available with your Synchrony products, you can focus less on the security of your finances and more on what matters most to you.

READ MORE: How to Avoid Phishing

Learn more about how Synchrony can help you.