Security & compliance
Security built into
every payment.
Compliance, risk, and security controls run through every layer of Billpay, from the moment a merchant signs up to the moment funds reach their bank.
Protection
Layers of protection,
on every payment.
Security isn't a feature we added. It's how the platform is built.
Advanced encryption
Your data is protected in transit and at rest.
Fraud prevention
Real-time monitoring and risk controls on every payment.
Data privacy
Your information stays yours. We never sell it.
Reliable uptime
Infrastructure built to keep your business running.
Verified merchants
KYC and KYB checks before any business can accept payments.
AML compliance
Anti-money laundering controls and regulatory reporting.
Full audit trail
Maker-checker approvals and logs for every sensitive action.
Role-based access
Every team member sees and does only what they should.
Controls at every step
From sign-up
to settlement.
Every stage of a payment's life has its own checks, approvals, and records.
- 1
Before onboarding
Every merchant is verified
- KYC and KYB verification
- Merchant verification workflows
- Approval before going live
- Consent management
- 2
Every transaction
Every payment is monitored
- Data protection controls
- Real-time transaction monitoring
- Anti-money laundering controls
- Payment status verification
- 3
Every settlement
Every payout is authorized
- Maker-checker authorization
- Batch creation and processing
- Automated reconciliation
- Settlement notifications
- 4
Every action
Every action is recorded
- Audit trail management
- Role-based access control
- Regulatory reporting
- Reconciliation reports
Compliance framework
Built around
regulatory standards.
Our framework is designed around Ethiopia's regulatory requirements and international best practices.
- KYC and KYB verification
- Merchant verification workflows
- Anti-money laundering (AML) controls
- Transaction monitoring
- Regulatory reporting
- Role-based access control
- Audit trail management
- Data protection controls
- Consent management
- Cloud-native microservices
- High-availability services
- Separate test, sandbox, and production
- Enterprise security controls
Get started
Ready to build a better payment experience?
Join businesses across Ethiopia that are choosing Billpay to power their growth.