Compliance
Regulated infrastructure — by design.
CellPay operates under the same regulatory framework as major bank-partnered fintechs. Every transaction is monitored, screened, and recorded. It's how we serve customers whose margin for error is zero.
The Six Pillars
How CellPay stays on the right side.
State Licensing
CellPay holds active money-transmission licenses in every state where required. Ongoing state examinations, regulatory reporting, and license renewals are handled by our in-house compliance team.
AML / BSA
Full anti-money-laundering program under the Bank Secrecy Act. Real-time transaction monitoring, SAR filing, and OFAC/sanctions screening across every product.
KYC & CIP
Risk-based customer identification for every regulated product. Tiered verification depending on transaction type and value, with continuous re-verification triggers.
Card Brand & PCI
PCI-DSS scope across card-handling systems. Contractual and technical compliance with Visa and other card network operating rules.
Reg E & Consumer Protection
Full Reg E error resolution and dispute rights for prepaid card holders. Clear disclosures, fee schedules, and consumer-facing complaint procedures.
Audit & Assurance
Independent SOC-audited controls. Financial audits, third-party risk reviews, and continuous internal audit across operations.
Operating Principles
A few things we
will not compromise.
- Every product ships under the correct licenses and regulatory framework for its jurisdiction.
- Compliance is a first-class engineering surface, not a checklist attached at launch.
- Partners transact under CellPay's regulatory umbrella — they inherit our licenses.
- Consumer protections are absolute. Reg E rights, dispute handling, and transparent fees are non-negotiable.
- Regulatory relationships are proactive. We engage with state and federal regulators before they engage us.