At PayAngel, we believe that how we operate is just as important as the services we provide. We are committed to upholding the highest ethical standards in every market where we operate. This includes strict adherence to laws on modern slavery, human trafficking, bribery, and corruption.
Modern Slavery & Human Trafficking
We have a zero-tolerance policy for modern slavery and human trafficking in any part of our business or supply chain.
Our approach complies with the UK Modern Slavery Act 2015 and equivalent legislation in all countries where we operate.
We expect the same commitment from all our partners, agents, and suppliers.
Anti-Bribery & Anti-Corruption
PayAngel prohibits all forms of bribery, facilitation payments, and corrupt practices.
We comply with the UK Bribery Act 2010, the US Foreign Corrupt Practices Act (FCPA), and equivalent laws in other jurisdictions.
All employees, agents, and partners are required to complete training and follow our internal anti-bribery controls.
Reporting Concerns
We maintain confidential reporting channels for whistleblowers to raise any suspected breaches of our ethics policies.
Reports can be made via [email/email form link] and will be investigated promptly without retaliation.
Anti-Money Laundering (AML) Policy
PayAngel is committed to full compliance with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations in every corridor we operate.
We work closely with regulators, law enforcement, and financial partners to detect and prevent illegal activity.
Global Standards
We follow the FATF (Financial Action Task Force) recommendations, applying Know Your Customer (KYC) and Enhanced Due Diligence (EDD) measures to all accounts.
Corridor-Specific Regulations
We comply with the AML and CTF laws of each sending jurisdiction:
UK: Money Laundering Regulations 2017 & FCA guidance.
US: Bank Secrecy Act & FinCEN requirements.
Canada: FINTRAC compliance obligations.
EU: 5th & 6th AML Directives.
Australia: AUSTRAC AML/CTF Act.
We also respect local regulations in all receiving countries, including central bank and financial intelligence unit requirements.
Our AML Controls
Licensing & Regulatory Information
PayAngel operates under licences and registrations issued by recognised financial regulators in all sending jurisdictions.
These licences authorise us to provide money transfer and payment services in compliance with local laws.
United Kingdom
Regulated by the Financial Conduct Authority (FCA) as an Authorised Payment Institution.
FCA Registration Number: [XXXXXXX]
View our listing on the FCA Financial Services Register.[insert link]
United States
Licensed as a Money Services Business (MSB) with FinCEN.
State-specific licences held in: [list states].
Canada
Registered with FINTRAC as a Money Services Business.
European Union
Operating under EU payment services regulations via [passporting arrangement/partnership].
Australia
Registered with AUSTRAC as a Remittance Service Provider.