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Compliance

Built on regulated rails.

Every transaction lands on infrastructure designed for compliance — not bolted on afterwards. Licences, certifications, safeguarding and partner banks are first-class.

Licences

Authorised to operate.

Averra Pay operates under regulated permissions in its principal jurisdictions. Reference numbers and issuing regulators below — confirmed prior to live trading in any market.

EU
EMI / PI under PSD2
Reference: {EU_EMI_REF}
UK
FCA Authorised EMI
FRN: {EMI_FRN}
US
FinCEN MSB + State MTLs
NMLS: {NMLS_ID} · State list available on request
Additional jurisdictions
Pending / in-flight
Singapore (MAS), UAE (ADGM/DIFC/VARA), Canada (FINTRAC)
Certifications

Audited annually.

PCI DSS
Level 1
SOC 2
Type II
ISO 27001
Information security

Certificate references available on request under NDA.

AML & sanctions

FATF-aligned, screened continuously.

  • AML/CTF programme aligned with FATF Recommendations and applicable national transpositions.
  • Sanctions screening against OFAC, UN, EU, HMT and MAS consolidated lists; ongoing monitoring with refresh on list updates.
  • Risk-based KYB and KYC; named MLRO; documented enhanced due diligence for elevated-risk relationships.
  • EU AML Regulation 2026 readiness: VIBAN end-user identification and registry obligations.
Safeguarding

Client money, segregated.

Customer funds are held in segregated safeguarding accounts at named, regulated credit institutions — never commingled with operating capital. Sponsor / partner banks below.

US sponsor bank
{SPONSOR_BANK_NAME}
EU partner bank
{EU_PARTNER_BANK}
UK partner bank
{UK_PARTNER_BANK}
Safeguarding model
{SAFEGUARDING_MODEL}
Data protection

Privacy by design.

GDPR / UK GDPR / DPA 2018 aligned. Data minimisation, least-privilege access, encryption in transit and at rest. Sub-processor list and DPA available on request.

Report fraud / abuse

If you've spotted a problem, tell us.

Suspected fraud, phishing impersonating Averra Pay, or abuse of an Averra-issued account — email compliance@averrapay.com. We review every report.

Ready when you are

Start moving money at the speed of your business.

Talk to our team about IBAN issuance, card acquiring, and global payouts. Most applications are reviewed in 48 hours.