AML / KYC Policy

Every merchant onboarded by Payhub Finance International is verified before an account is activated. High-risk does not mean heavy paperwork — our KYC is minimal by design, with sanctions and PEP screening completed behind the scenes.

Minimal customer identification

• Government-issued photo identification for every beneficial owner above 10%.
• Proof of residential address dated within the last three months.
• Corporate documents: incorporation certificate, register of directors and shareholders.
• Source of funds evidence only where volumes or structure specifically warrant it.

Screening

Applicants and beneficial owners are screened against international sanctions lists, politically exposed person databases and adverse media. Positive matches are escalated and, where required, refused.

Business model review

We review the website, funnel, refund policy, billing descriptors and marketing claims. The model must be lawful in the jurisdictions where it sells and compliant with card scheme rules.

Chargeback prevention and dispute winning

We do more than monitor ratios. We actively prevent chargebacks through descriptor hygiene, refund-policy review and early alert systems, and we represent and fight disputes on your behalf. Most account terminations are caused by chargeback ratios nobody was watching or disputes nobody contested — we handle both before they become a problem.

Ongoing monitoring

Processing patterns, chargeback ratios and refund behaviour are monitored continuously. Unusual activity triggers review, and we may request updated documentation at any point in the relationship.

Prohibited activity

We will not onboard sanctioned individuals or entities, illegal goods, child exploitation material, human trafficking, unlicensed financial services, ransomware or fraud-based offers. These refusals are absolute.

Reporting and record-keeping

Suspicious activity is reported to the relevant authority in line with applicable law, and verification records are retained for the statutory period. Compliance questions: Info@Payhubfin.com.