Anti-Money-Laundering (AML) Policy
SwissPay.ai is committed to preventing money laundering, terrorist financing and sanctions breaches across the businesses we serve.
Our commitment
SwissPay operates in line with applicable Anti-Money-Laundering and Counter-Terrorist-Financing laws and with the rules of PayPal and the card networks. Our FINTRAC (Canada) money services business registration is in progress.
How we review merchants
SwissPay boards and underwrites every merchant in-house. Before onboarding, we review the business, its owners and what it sells, and we may request documents at onboarding and afterwards.
Businesses we do not accept
We do not board shell companies, unlicensed money services, or sanctioned persons, and we decline businesses whose products we do not accept.
Sanctions
Payments from sanctioned jurisdictions are blocked, and we do not process for sanctioned persons.
Fraud and risk signals
Transactions go through real-time fraud scoring that uses address (AVS), device and risk signals.
Reporting and record-keeping
Where the law requires, we report activity to the relevant authorities and keep records for the required periods. We cooperate with regulators, PayPal and law enforcement.
Contact
For questions about this policy, reach us through support.swisspay.ai.
Last reviewed: 14 October 2026