Built on trust and security
PayGate maintains the highest standards of regulatory compliance and security to protect you and your customers.
PCI DSS Level 1
We maintain the highest level of PCI DSS compliance, ensuring secure handling of payment card data.
Bank of Ghana Licensed
Licensed and regulated by the Bank of Ghana as a Payment Service Provider (PSP).
ISO 27001
Our information security management system meets international standards.
Ghana Data Protection
Compliant with the Ghana Data Protection Act, 2012 (Act 843) and registered with the Data Protection Commission.
Security Measures
Multiple layers of protection for your data and transactions
Encryption
- TLS 1.3 for all data in transit
- AES-256 encryption for data at rest
- End-to-end encryption for sensitive operations
Access Control
- Role-based access control (RBAC)
- Multi-factor authentication required
- Regular access reviews and audits
Monitoring
- 24/7 security monitoring
- Real-time fraud detection
- Automated threat response
Infrastructure
- Redundant data centers
- DDoS protection
- Regular penetration testing
Anti-Money Laundering Program
PayGate maintains a comprehensive AML program to prevent financial crime and ensure compliance with Ghana's Anti-Money Laundering Act, 2020 (Act 1044).
Know Your Customer (KYC)
Comprehensive identity verification for all merchants including document verification, business registration checks, and beneficial ownership identification.
Transaction Monitoring
Real-time monitoring of transactions using machine learning to detect suspicious patterns and flag potential money laundering activities.
Sanctions Screening
Automated screening against global sanctions lists including UN, EU, OFAC, and local regulatory lists.
Suspicious Activity Reporting
Established procedures for identifying and reporting suspicious transactions to the Financial Intelligence Centre (FIC).
Merchant Due Diligence
All merchants undergo thorough verification before accessing live payment processing. This includes:
- Business registration verification
- Director/owner identity verification
- Business address verification
- Sanctions and PEP screening
- Business model assessment
Data Protection
We are registered with the Ghana Data Protection Commission and fully comply with the Data Protection Act, 2012 (Act 843). Our data protection practices include:
- Data minimization - we only collect what's necessary
- Purpose limitation - data used only for stated purposes
- Data subject rights - access, correction, deletion
- Regular data protection impact assessments
Data Protection
Commission Registered
Report a Concern
If you have concerns about compliance, security, or potential fraud, please contact us immediately. All reports are treated confidentially.