Overview

Compliance is the process of ensuring that merchants operating on DigetPay comply with applicable regulatory requirements, internal policies, and risk management standards before and throughout their relationship with the platform.

The compliance framework is designed to:

Verify merchant identity and business legitimacy — Building trust through thorough verification
Prevent fraud, money laundering, and terrorist financing — Protecting the integrity of our ecosystem
Ensure compliance with applicable regulations — Meeting global and SAMA standards and requirements
Continuously monitor merchant activity — Staying vigilant against emerging risks
Protect merchants, customers, and the payment ecosystem — Creating a secure environment for all

Compliance Workflow

┌─────────────────────────┐
│ Merchant Registration   │
└────────────┬────────────┘
             │
             ▼
┌─────────────────────────┐
│ Document Submission     │
└────────────┬────────────┘
             │
             ▼
┌─────────────────────────┐
│ KYC / KYB Verification  │
└────────────┬────────────┘
             │
             ▼
┌─────────────────────────┐
│ AML & Sanctions         │
│ Screening               │
└────────────┬────────────┘
             │
             ▼
┌─────────────────────────┐
│ Risk Assessment         │
└────────────┬────────────┘
             │
             ▼
┌─────────────────────────┐
│ Compliance Review       │
└────────────┬────────────┘
             │
      ┌──────┴──────┬──────────┐
      ▼             ▼          ▼
  ┌────────┐  ┌──────────┐  ┌────────┐
  │Approved│  │ Pending  │  │Rejected│
  └────┬───┘  │Additional│  └────────┘
       │      │  Info    │
       │      └────┬─────┘
       │           │
       └─────┬─────┘
             ▼
┌─────────────────────────┐
│ Merchant Activation     │
└────────────┬────────────┘
             │
             ▼
┌─────────────────────────┐
│ Ongoing Monitoring      │
└─────────────────────────┘

Merchant Verification

🔍
Secure Your Partnership
Every merchant must complete a comprehensive verification process before payment services can be activated. This ensures a secure and trustworthy platform for all users.

Verification includes:

Identity verification (KYC)
Business verification (KYB)
Commercial registration validation
Bank account verification
Beneficial owner verification
Website or application review

Required Documents

📋
Streamlined Documentation
The required documents depend on the merchant type and business activity. We've streamlined the process to request only what's necessary.

Typical documents include:

National ID or Iqama
Commercial Registration (CR)
IBAN Certificate
Proof of National Address
Additional documents requested during review

Compliance Review

✅
Expert Evaluation
Each merchant undergoes a thorough compliance review to determine eligibility for payment services. Our expert team evaluates every application with care and attention to detail.

The review includes:

Business activity validation
Product and service assessment
Restricted business screening
Regulatory compliance checks
Risk evaluation

Depending on the outcome, the merchant may be:

Approved — Ready to start accepting payments
Pending Additional Information — We need more details to proceed
Rejected — Does not meet compliance requirements

Risk Assessment

⚖️
Intelligent Risk Evaluation
DigetPay applies a sophisticated, risk-based approach when evaluating merchants to ensure optimal security and operational efficiency.

Risk assessment considers factors such as:

Business activity
Transaction volume
Average transaction value
Geographic exposure
Chargeback history
Fraud indicators

Merchants may be classified as:

Low Risk — Minimal compliance oversight required
Medium Risk — Standard monitoring and controls
High Risk — Enhanced due diligence and monitoring

Ongoing Monitoring

👁️
Continuous Protection
Compliance doesn't end at activation. We maintain vigilant oversight to protect your business and our ecosystem.

DigetPay continuously monitors:

Transaction activity
Fraud indicators
Chargeback ratios
Refund trends
Unusual transaction patterns
Regulatory alerts

Additional information may be requested if suspicious activity is detected, ensuring proactive risk management.

Compliance Status

Pending Review

Compliance review is in progress. Your application is being evaluated by our team.

Additional Information Required

More information or documents are required to proceed. Please provide the requested details promptly.

Approved

The merchant has successfully passed compliance review and is ready to accept payments.

Rejected

The merchant did not meet compliance requirements. Please contact support for more information.

Suspended

Merchant services have been temporarily suspended pending further review. We will notify you of any updates.

Regulatory Compliance

🛡️
Global Standards Compliance
DigetPay's comprehensive compliance framework supports regulatory obligations related to:

Know Your Customer (KYC)
Know Your Business (KYB)
Anti-Money Laundering (AML)
Counter-Terrorist Financing (CFT)
Sanctions Screening
Transaction Monitoring
Record Retention