PAYMENT PROCESSING SERVICES

Payment Processing By Experts

PayAlma offers a wide range of payment solutions for businesses.

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SOLUTIONS

Trusted industry payment expert.

Secure, reliable, innovative payments—handled by trusted professionals.

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VARIOUS PAYMENT SOLUTIONS

What PayAlma can do?

You can make payments with

Debit / Credit Card

Fast, convenient, and secure for everyday payments.

E-Wallets

Pay fast, store cards & crypto— all in one app.

AMPs

Instant, secure, and trusted APM platform.

Bank Transfers

Move money securely, directly between accounts.

COOKIE AND PRIVACY POLICY

PayAlma Privacy Policy

At PayAlma (referred to as the "Company," "We", "Us", or "Our"), we are dedicated to safeguarding the privacy of our users. As part of this commitment, transparency is crucial in explaining how we handle the information collected about users, whether by us or on our behalf, and how we use such information.

This document outlines the privacy policy of payalma.com (referred to as the "Policy" and the "Website"). In this policy, "You", "Your" or "User" refers to individuals using our website. Here, you will find details about the types of information we collect about website users, when this information is collected, how we use it, share it with third parties, maintain it, etc.

Throughout this policy, any mention of "Personal Data" refers to information related to an identified or identifiable natural person. An identifiable natural person is someone who can be directly identified or identified in combination with additional information that we have or can access.

This revision maintains the meaning while providing a bit of simplification and flow improvement.

FAQ's

Frequently Asked Questions

Q1: When do we collect information about you?

We may collect Personal Data about You in the following circumstances:

When You access or use the Website and the services contained therein (the "Services").
When You interact with Us in any way, including by sending Us an email.
When certain information about You is provided to Us by third parties. Information is provided at Your free will. However, if You do not furnish certain information about You, We will not be able to provide You with any or some of the Services.

Q2: What types of information do We collect?

We (or others on Our behalf) may collect the following types of Personal Data about You:

Website usage information: this information includes online activity log, traffic information (including, without limitation, IP address, time of access, date of access, web and mobile page(s) visited, language used, software crash reports and type of browser used, information regarding the device You used. Some of this information may not identify You personally, and therefore does not constitute Personal Data.
Website activity information – whenever You use the Website, We monitor Your use of the Services and record Your activity. The information that We gather about You in this context includes any activity that You perform on the Website, such as searches that You will perform, content that You will view, the length of time You will be watching content on the Website, Your interaction with content in the Website, etc.
Communication information – when You contact Us, including via Our Website, social media networks or any other communications channel, You may provide Us with Your full name, corporate affiliation, address, certain contact information (such as email address and telephone number) and the content of Your communication with Us.

You are responsible for ensuring the accuracy of the information that You provide Us (or others on Our behalf) with. Inaccurate information will affect Our ability to provide You with some of the Services, as well as Our ability to contact You as contemplated in this Policy.

Q3: How do we use personal data?

We may use Personal Data about You for the following purposes:

To operate the Website and provide the Services.
To contact You for the purpose of operational requirements.
To personalize content or offers to You.
To respond to Your queries, requests or complaints.
To send You marketing materials, subject to Your consent.
To analyze and improve the Services, as well as to offer new ones.
To perform and maintain various activities supporting the offering and provision of the Services, including, but not limited to, the Website (such activities include back office functions, business development activities, strategic decision making, financing management, etc.).
To protect Our and third parties’ interests, rights and assets, including initiation or exercise or defense of legal claims.
To fulfill Our legal or regulatory requirements.
Sharing of Personal Data

We will not disclose Personal Data about You to third parties except as detailed in this Policy.

We may transfer Personal Data to entities that control Us, entities that are under Our control or to entities under common control or ownership with Us, as shall be from time to time (collectively the "Group"). Such entities may use the Personal Data to support the needs of the Group.

We may share Personal Data about You with the following third parties or for the following purposes:

Upon Your consent or instruction.
Third parties providing Us services related to the offering of the Services, including the Website.
Upon Your consent, third parties offering products or services that match Your needs or preferences.
In the event that We sell, assign or transfer some or all of Our business or assets to a successor or acquirer, or if We are acquired by or merge with a third party, or if We file for bankruptcy or become insolvent, or any other situation where Personal Data may be sold, assigned or transferred to a successor or acquirer.
To protect Our rights, property and interest or those of third parties.
To fulfill Our legal or regulatory requirements or to comply with a court order.
Transfer of Personal Data abroad.

We may transfer Personal Data about You outside the jurisdiction which You are a resident of and store it in other jurisdictions and countries; the data protection and other laws of these jurisdictions or countries may not be as protective to Personal Data as those in the jurisdiction which You are resident – in these instances, We will take steps to ensure that an appropriate level of protection is given to Your Personal Data.

Q4: What does PayAlma do?

PayAlma helps businesses process payments securely. When a customer makes a purchase, PayAlma ensures that the payment is handled safely and the money is transferred to the merchant’s account. PayAlma also offers tools to protect against fraud and assists businesses in managing and minimizing chargeback risks.

Q5: Is PayAlma secure?

Sure. The platform uses advanced encryption technology to protect our customer data and transactions. We adhere to 3DS and 3DS2 security standards, as well as PCI-DSS, to safeguard sensitive data and information.

Q6: Which countries do PayAlma payments operate?

PayAlma's geographic coverage includes all regions and countries across the globe.

AML AND KYC POLICY

PayAlma KYC Policy

The purpose of AML Policy

The purpose of the AML rules is to help detect and report suspicious activity including the predicate offenses to money laundering and terrorist financing, such as securities fraud and market manipulation.

The purpose of AML Policy

Purpose of KYC Policy

Ensures that businesses have accurate information about their customers, including their identity, financial history, and risk level.

Customer Verification:

When a new merchant signs up, PayAlma verify their identity. This includes collecting information such as legal business name, address, tax ID, and ownership details.

We use Know Your Customer (KYC) procedures to validate the merchant's identity. This helps prevent fraudulent accounts and ensures compliance with AML regulations.

Individual Verification:

PayAlma verify the identity of individuals associated with the business. This typically includes the company directors or authorized signatories.

Information collected include national insurance or social security numbers, dates of birth, and other relevant details.

Each PayAlma merchant must provide information for its AML compliance.

Transaction Monitoring

PayAlma continuously monitoring transactions for suspicious patterns or anomalies. Unusual patterns, large transactions, or frequent transfers to high-risk countries trigger alerts.

Automated systems analyze transaction data, flagging any deviations from normal behavior. For example, sudden spikes in transaction volume or unusual geographic patterns may warrant investigation.

Sanctions Screening

The gateway checks transactions against sanctions lists (such as OFAC, UN, or EU lists) to identify individuals, entities, or countries involved in illegal activities.

If a match is found, the transaction is flagged for further review. Sanctions screening helps prevent money laundering and terrorist financing.

Suspicious Activity Reporting

If the gateway detects suspicious activity, it reports it to the relevant authorities. Timely reporting is crucial to prevent money laundering.

Based on the risk, and to the extent reasonable and practicable, we will ensure that we have a reasonable belief that we know the true identity of our customers by using risk-based procedures to verify and document the accuracy of the information we get about our customers.

Behavior Analysis

The gateway analyzes historical behavior. Sudden changes in transaction patterns, inconsistent activity, or unusual hours of operation may indicate illicit use.

Behavioral analysis complements rule-based monitoring.

Customer Due Diligence (CDD)

Verifying the identity of customers and assessing their risk profiles.

By using our services, you acknowledge and agree that PayAlma, as a third-party payment gateway, will receive user funds and on their behalf, redistribute the funds to the intended merchant platform. PayAlma acts as an intermediary to ensure the secure and compliant transfer of these funds from the user to the merchant.

UK ▼ +66

Payment Processing By Experts

SOLUTIONS

Trusted industry payment expert.

Authentication

What PayAlma can do?

You can make payments with

Debit / Credit Card

E-Wallets

AMPs

Bank Transfers

PayAlma Privacy Policy

Frequently Asked Questions

PayAlma KYC Policy

The purpose of AML Policy

Purpose of KYC Policy

Customer Verification:

Individual Verification:

Transaction Monitoring

Sanctions Screening

Suspicious Activity Reporting

Behavior Analysis

Customer Due Diligence (CDD)

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