Paynectra operates under strict regulatory oversight across multiple jurisdictions. Our compliance programme covers AML, KYC, GDPR, PCI DSS, and PSD2 — so your business benefits from our licences and certifications.
We maintain active licences, registrations, and certifications across all major jurisdictions in which we operate.
Paynectra Ltd is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom as a Payment Institution under the Payment Services Regulations 2017.
ActiveThe highest certification tier in the payment card industry. Audited annually by a Qualified Security Assessor (QSA). Merchants using our hosted page inherit our compliance scope.
CertifiedOur European operations are conducted under an Electronic Money Institution licence with full passporting rights across the European Economic Area (EEA).
LicensedFull compliance with the General Data Protection Regulation. Appointed Data Protection Officer, documented processing records, and Privacy by Design across all systems.
CompliantRegistered as a Money Services Business (MSB) with the Financial Crimes Enforcement Network for US operations. Full BSA/AML programme in place.
RegisteredComprehensive Anti-Money Laundering and Know Your Customer programme aligned with FATF standards. Real-time sanctions screening on all transactions.
ActivePaynectra fully supports PSD2's Strong Customer Authentication requirements across all European payment flows. Our adaptive 3DS2 engine applies risk-based authentication — minimising friction for low-risk transactions while providing full SCA compliance for all others. Merchants processing European cards through Paynectra are automatically PSD2 compliant.