Anti-Money Laundering Policy

1. Our Role

BridgePay Associates provides payment orchestration technology. We do not hold customer funds, accept deposits, or transmit money on our own behalf. Settlement, custody, and money-movement are performed by licensed third-party payment service providers (PSPs), acquirers, and banking partners that we connect to our platform.

Because our infrastructure sits between merchants and these financial partners, we take anti-money laundering (AML) and counter-terrorist financing (CTF) obligations seriously. We cooperate with regulators, law enforcement, and PSP partners to detect and prevent financial crime.

2. Merchant Vetting

Before a merchant can use our platform, we conduct a risk-based review that may include:

• Know-Your-Business (KYB) verification of the legal entity and beneficial owners;
• Review of business model, website, marketing materials, and product categories;
• Sanctions and politically-exposed-person (PEP) screening where required;
• Assessment of chargeback risk, processing history, and jurisdictional exposure;
• Ongoing monitoring of transaction patterns and merchant behavior.

We reserve the right to refuse service, suspend accounts, or terminate relationships at any time if a merchant presents unacceptable AML, legal, or reputational risk.

3. Prohibited & High-Risk Activity

Merchants may not use our platform for activities that involve or facilitate:

• Money laundering, terrorist financing, or sanctions evasion;
• Structuring transactions to avoid reporting thresholds;
• Transaction laundering or undisclosed beneficial ownership;
• Fraud, identity theft, or unauthorized payment-card use;
• Illegal goods or services, or sales in jurisdictions where they are prohibited.

Even where a business category is legal in one jurisdiction, we may decline it if it exceeds our risk appetite or violates a PSP partner's policy.

4. Monitoring & Reporting

We monitor merchant activity and transaction flows for unusual or suspicious behavior. When we detect activity that may indicate financial crime, we may:

• Suspend or restrict the merchant's account and processing capabilities;
• Request additional documentation or an explanation of the activity;
• Report the activity to relevant law enforcement, regulators, or PSP partners;
• Terminate the merchant relationship without prior notice.

We will cooperate with law enforcement and regulatory inquiries in accordance with applicable law.

5. No Endorsement of Merchants

Approval to use our platform does not mean BridgePay Associates endorses a merchant, guarantees its legality, or assumes liability for its operations. Each merchant remains fully responsible for its own compliance with AML, sanctions, consumer protection, tax, and other applicable laws.

6. Policy Updates

This AML Policy may be updated as laws, regulations, and risk practices evolve. The version posted on this page is the current version and supersedes all prior versions.

7. Contact

To report suspicious activity or ask questions about this policy, contact us at hello@bridgepayassociates.com.