Real Control. Real Protection. Real-Time Confidence.

At RUBYFIVE, security is not an afterthought — it is the foundation of our platform.
We help mid-market companies move money with confidence by combining strong enterprise controls, layered fraud defenses, and a modern payments infrastructure built for real-time settlement.

Whether you're sending RTP, FedNow, ACH, wires, or international payments, RUBYFIVE protects your workflows end-to-end — from vendor onboarding in NetSuite to final delivery at your bank.

Our approach aligns with leading regulatory frameworks, including NIST, FFIEC, and guidance from the Federal Reserve, OCC, FDIC, and The Clearing House.

Our Security Philosophy: Layered, Modern, and Real-Time

The threat landscape is evolving rapidly. Single-point defenses are no longer enough.
RUBYFIVE employs a Protect → Detect → Respond model designed to prevent fraud, identify anomalies early, and act quickly when needed — without slowing down your business.

1️⃣ PROTECT

Enterprise-grade security built into every step

Identity & Access Control

  • SSO / SAML 2.0 integration with your identity provider

  • Role-based access controls tailored to AP operations

  • Segregation of duties across vendor onboarding, bill entry, approvals, and payment execution

  • Enforced least-privilege permissions across all modules

Vendor & Payment Protection

  • Dual approval workflows for vendor creation and bank account changes

  • Bank account validation through secure financial institution APIs

  • Configurable approval tiers by amount, payment type, and subsidiary

  • Real-time payment limits aligned to your risk appetite (RTP, FedNow, ACH, wires)

Infrastructure Security

  • Encrypted data in transit (TLS 1.2/1.3)

  • All secrets, credentials, and certificates stored exclusively in Azure Key Vault

  • Strict API authentication using OAuth2 and signed tokens

  • Continuous vulnerability scanning and patch management

Compliance-Focused Design

  • Built with SOC 2, GDPR, and banking partner requirements in mind

  • Audit-friendly logs for every sensitive action

  • Clear system-of-record lineage from NetSuite to payment submission

2️⃣ DETECT

Real-time monitoring and intelligent anomaly detection

Because fraud evolves, RUBYFIVE continuously monitors signals across the vendor, workflow, user, and payment lifecycle.

Behavior & Payment Monitoring

  • Real-time anomaly detection for high-risk patterns

  • Monitoring of new vendors, unusual payment amounts, and off-cycle activity

  • Risk-aware checks before any payment is executed

  • Automatic flagging of patterns associated with common financial fraud schemes

Operational Visibility for Finance Teams

  • Dashboards for AP and Treasury teams inside NetSuite

  • Alerts for high-risk payments or vendor changes

  • Full event tracking with user, timestamp, and action detail

Bank-Grade Observability

  • Unique correlation IDs for every payment rail

  • Comprehensive audit trails for all API interactions

  • Logging designed for rapid investigation and regulatory reporting

3️⃣ RESPOND

Fast, coordinated action if something doesn’t look right

Even the best defenses can face sophisticated threats. RUBYFIVE ensures customers and financial institutions can respond quickly and effectively.

Automated Safeguards

  • Payment holds triggered when risk thresholds are exceeded

  • Ability to instantly disable a specific payment rail (e.g., RTP)

  • Vendor-level payment blocks for suspected fraud activity

Customer & Banking Partner Coordination

  • Instant access to all data needed for bank investigations

  • Fraud-ready workflows aligned to RTP and FedNow operating requirements

  • Clear documentation trails for internal response teams

Continuous Security Improvement

  • Risk scoring adjusts over time based on confirmed incidents

  • Configurable controls allow customers to tighten security as needed

  • Regular updates informed by banking, regulatory, and industry guidance

Platform Security Architecture (High-Level)

(Designed to protect proprietary details while assuring confidence)

  • Modern, cloud-native stack running in Microsoft Azure

  • Highly available services with isolated environments for development, testing, and production

  • Network segmentation and firewall rules that reduce attack surface

  • Zero-trust principles applied across internal services

  • Secure integration to banks using mTLS and private connectivity options (where available)

NetSuite-Native Controls for AP Teams

RUBYFIVE is purpose-built for NetSuite, embedding strong financial controls directly into the AP workflow:

  • Vendor onboarding workflows with structured approvals

  • Secure vendor self-service for onboarding (optional)

  • Multi-approver payment workflows for all payment types

  • Auto-reconciliation and payment traceability

  • Field-level audit history for sensitive vendor and payment fields

These controls help organizations meet internal audit requirements while preventing payment drift and unauthorized disbursements.

Bank-Aligned Fraud Framework

RUBYFIVE’s security model mirrors best practices used by leading banks:

  • Shared responsibility model with clearly defined roles

  • Data minimization and rigorous encryption protocols

  • Strong customer authentication and payment confirmation flows

  • Internal fraud flags mapped to bank-supported investigation codes

This ensures alignment with your financial institution and faster resolution when issues arise.

Your Security Is Our Commitment

Safeguarding money movement is the core of what we do. As real-time payments grow, and as fraud becomes increasingly sophisticated, companies need a partner that takes security as seriously as they do.

RUBYFIVE gives finance teams real-time control, real visibility, and real peace of mind.

📩 Want More Details?

For enterprise customers, auditors, or bank partners who require deeper architectural documentation, RUBYFIVE provides:

  • SOC 2–ready control documentation

  • Detailed data flow diagrams

  • Security questionnaires (SIG Lite, AUPs, etc.)

  • Banking integration architecture (RTP, FedNow, ACH, wires)

Request access at: security@rubyfive.com