Legal & Compliance

Transparency and compliance are at the heart of everything we do.

Service Description

BAPT-PAY provides payment efficiency analysis and compliance infrastructure. We operate as an analytical overlay that helps businesses identify optimization opportunities and compliance gaps in their payment systems.

BAPT-PAY does not process payments directly. All payment processing remains with your existing providers (Stripe, PayPal, Square, Adyen, etc.). We provide intelligence and recommendations only.

Security & Privacy

We take data security seriously. Our analytical processes are designed with privacy by default:

Aggregated, anonymized transaction data analysis
No storage of sensitive payment credentials
Secure data transmission protocols
Compliance with GDPR and applicable data protection regulations

All recommendations are based on pattern analysis and industry benchmarks, not individual customer financial data.

Regulatory Framework

Our compliance analysis considers requirements across multiple jurisdictions including:

Payment Services Directives (PSD2) in the European Union
FinCEN regulations in the United States
Anti-Money Laundering (AML) requirements
Know Your Customer (KYC) standards
PCI-DSS compliance frameworks

Note: BAPT-PAY provides compliance analysis and recommendations. Implementation of compliance measures remains the responsibility of each business.

Terms of Service

By engaging BAPT-PAY services, you acknowledge:

Our analysis provides recommendations, not guarantees of specific outcomes
Cost recovery estimates are projections based on industry data and may vary
Implementation of recommendations is at your discretion
BAPT-PAY does not provide legal, tax, or financial advice

Disclaimers

Results vary based on transaction volume, mix, and current infrastructure
Modeled scenarios are illustrative and based on industry payment data
Past performance indicators do not guarantee future results
All statistics represent industry averages and may not apply to specific situations