Compliance

PayAll operates under a comprehensive compliance framework that ensures adherence to all applicable laws, regulations, and industry standards. We maintain certifications and comply with requirements across multiple jurisdictions to serve our global customer base.

Our compliance program is regularly reviewed and updated to reflect changes in regulatory requirements and industry best practices.

PCI DSS Level 1 Certification

PayAll maintains the highest level of PCI DSS compliance:

• Annual PCI DSS Level 1 certification and validation
• Quarterly security scans by approved scanning vendors
• Regular penetration testing and vulnerability assessments
• Secure cardholder data handling and storage practices
• Network security controls and access restrictions
• Employee training on PCI DSS requirements

Data Protection Requirements

• Secure transmission of cardholder data
• Encrypted storage with restricted access
• Regular monitoring and testing of security systems
• Maintain an information security policy
• Vulnerability management program

Australian Financial Services

• Australian Financial Services License (AFSL) compliance
• AUSTRAC registration and reporting requirements
• Reserve Bank of Australia (RBA) regulations
• Australian Securities and Investments Commission (ASIC) compliance
• Consumer Data Right (CDR) framework adherence

International Compliance

• European Payment Services Directive (PSD2) compliance
• UK Financial Conduct Authority (FCA) regulations
• US FinCEN and state money transmitter licenses
• Canadian Financial Transactions and Reports Analysis Centre (FINTRAC)
• Singapore Monetary Authority (MAS) compliance

AML Program

• Comprehensive AML policies and procedures
• Customer risk assessment and monitoring
• Suspicious activity reporting (SAR) processes
• Transaction monitoring and alert systems
• Regular AML training for all staff
• Independent AML program testing and auditing

KYC Requirements

• Customer identification and verification procedures
• Enhanced due diligence for high-risk customers
• Beneficial ownership identification
• Ongoing customer monitoring and record keeping
• Sanctions screening against global watchlists
• Politically Exposed Person (PEP) screening

Global Privacy Compliance

• European General Data Protection Regulation (GDPR)
• Australian Privacy Principles (APPs) under Privacy Act 1988
• California Consumer Privacy Act (CCPA)
• Personal Information Protection and Electronic Documents Act (PIPEDA) - Canada
• Singapore Personal Data Protection Act (PDPA)
• UK Data Protection Act 2018

Privacy Framework

• Privacy by design principles
• Data minimization and purpose limitation
• Consent management and user rights
• Cross-border data transfer safeguards
• Data breach notification procedures
• Regular privacy impact assessments

ISO Certifications

• ISO 27001:2013 - Information Security Management
• ISO 27002:2013 - Code of Practice for Information Security Controls
• ISO 22301:2019 - Business Continuity Management
• ISO 31000:2018 - Risk Management Guidelines
• ISO 27017:2015 - Cloud Security Controls
• ISO 27018:2019 - Cloud Privacy Protection

SOC Compliance

• SOC 2 Type II - Security, Availability, and Confidentiality
• SOC 3 - General Use Report
• Annual independent audits and assessments
• Continuous monitoring and improvement
• Third-party risk management program

Device Certification

• FCC certification for US market compliance
• CE marking for European Union conformity
• ACMA certification for Australian communications equipment
• IC certification for Canadian radio equipment
• EMC and radio frequency compliance testing
• Safety and environmental standards adherence

Cybersecurity Framework

• NIST Cybersecurity Framework implementation
• OWASP security guidelines for web applications
• IoT Security Foundation best practices
• Common Criteria evaluations for security products
• Regular security assessments and penetration testing

Quality Management

• ISO 9001:2015 - Quality Management Systems
• Continuous improvement processes
• Customer satisfaction monitoring
• Service level agreement (SLA) compliance
• Performance metrics and KPI tracking
• Regular management reviews and audits

Business Continuity

• Business continuity and disaster recovery planning
• Regular backup and recovery testing
• Incident response and crisis management
• Supplier and vendor risk management
• Geographic redundancy and failover capabilities

Environmental Compliance

• RoHS compliance for electronic devices
• WEEE directive compliance for waste management
• Energy efficiency standards and certifications
• Carbon footprint monitoring and reduction
• Sustainable supply chain practices
• Green data center initiatives

Corporate Social Responsibility

• Ethical business practices and conduct
• Diversity and inclusion initiatives
• Fair labor practices and working conditions
• Community engagement and support programs
• Responsible sourcing and procurement

Regular Audits

• Annual external compliance audits
• Quarterly internal audit reviews
• Third-party security assessments
• Regulatory examination preparations
• Vendor and supplier audits
• Continuous monitoring and testing

Reporting and Documentation

• Compliance reports and attestations
• Risk assessment documentation
• Policy and procedure updates
• Training records and certifications
• Incident reports and remediation plans
• Management and board reporting

For compliance-related inquiries, audit requests, or regulatory questions: