LONDON, UK. January 13th 2026 – Bnqz Inc. (Quidkey), the AI-native clearing house for global account-to-account payments, announced today the successful completion of its SOC 2® Type II audit.
The clean audit opinion confirms that Quidkey meets the strict security, availability, and confidentiality standards defined by the AICPA, validating the company’s security posture as it scales globally amid accelerating merchant and platform adoption.
Account-to-account payments are accelerating worldwide as merchants seek alternatives to rising card fees, payment delays, and cross-border complexity. Global A2A transaction volume is projected to exceed one trillion dollars in the coming years, driven by regulatory pressure and the shift toward real-time settlement.
Unlike card transactions, direct bank-to-bank payments remove the intermediaries that traditionally absorb fraud and chargeback risk. This places a significantly higher security burden on the clearing layer itself.
SOC 2 certification has therefore become a baseline requirement for enterprises, financial institutions, and payment providers evaluating real-time money-movement infrastructure.
Quidkey was designed for this bar from day one. The company is live across the EU, UK, US, and AU with one integration, serving merchants in retail, travel, logistics, and digital commerce.
Quidkey enables bank-branded A2A checkout through Shopify and direct API or iFrame implementations. Completing SOC 2 Type II ahead of major enterprise and FI integrations strengthens Quidkey’s position as a secure infrastructure provider for global settlement, compliance, and programmable treasury automation.
SOC 2 Type II evaluates not only the design of internal controls but also their operational effectiveness over an extended review period. A clean report confirms that Quidkey’s security controls function consistently in production environments, covering the full payment lifecycle including authentication, clearing, settlement, reconciliation, and data protection.
“Clearing bank-to-bank payments across continents requires a security posture equal to the institutions we integrate with,” said Rabea Bader, CTO of Quidkey. “We architected Quidkey for SOC 2 compliance from our first line of code. This certification validates that our controls operate to the standard our partners expect every single day.”
“This milestone aligns our security framework with the enterprises, processors, and financial institutions integrating our technology,” said Rob Zeko, CEO of Quidkey. “SOC 2 Type II removes a critical barrier in partnership evaluations and allows us to accelerate the global expansion of our clearing infrastructure.”
The audit evaluated multiple operational and technical domains, confirming that Quidkey’s systems are properly designed and consistently enforced:
- Secure data storage and encrypted transmission
- Access controls and authentication safeguards
- Continuous system monitoring and incident response
- Vendor and third-party risk management
- Business continuity and disaster recovery readiness
Quidkey’s clearing layer enables merchants to move value directly between bank accounts with a card-like experience but lower fees, faster settlement, and stronger security. The platform operates alongside existing PSPs and automates post-payment workflows such as instant refunds, tax isolation, multi-party splits, FX conversion, and reconciliation.
With SOC 2 Type II complete, Quidkey strengthens its position as the trusted clearing layer for enterprises and developers building the next generation of global account-to-account payments. The company is now finalizing readiness processes for additional payment providers and banking partners as demand continues to expand across markets.
Companies interested in reviewing the SOC 2 Type II report may request access at
legal@quidkey.com.
About Quidkey
Quidkey is a payment gateway building a global clearing house for Account-to-Account (A2A) payments. We provide a “Pay by Bank” experience that is as simple as using a card, but with lower fees for the merchant and optimized settlement times.
Quidkey makes paying by bank faster with an AI-native bank prediction engine. By automatically identifying a customer’s bank, it stops them from having to scroll through long lists at checkout, which helps increase conversion. Through one integration—available via API or the Shopify App Store—merchants can accept secure payments across the UK, EU, US, and Australia.
ENDS
