Behind the scenes

How we build Pikt

The important product decisions behind Pikt's card matching, written in plain language. Each note explains the problem, what we decided, and what it means for you. See the methodology overview for the full explanation of how Pikt finds your best card.

• ADR-0004Accepted

  Never collect or store card security codes

  Storing a card's security code after checkout violates industry card-security rules, even if it is encrypted.

• ADR-0005Accepted

  Bank connections are read-only and credential-isolated

  Pikt needs account and liability data to track cards, balances, and how much of your credit you're using, but must minimize the trust users extend to it.