Regulatory Compliance
PayDay Envelope operates under strict regulatory oversight, ensuring full compliance with South African financial services legislation
Licensed and regulated by the Financial Sector Conduct Authority (FSCA) to provide financial services in South Africa.
PayDay Envelope (Pty) Ltd
123 Business Park
Sandton, Johannesburg, 2196
Phone: +27 11 123 4567
Email: compliance@paydayenvelope.co.za
National Credit Act (NCA)
Full compliance with credit provider regulations, responsible lending practices, and consumer protection measures.
POPIA Compliance
Strict adherence to the Protection of Personal Information Act for data privacy and security.
FICA Requirements
Financial Intelligence Centre Act compliance for anti-money laundering and customer due diligence.
Labour Relations Act
Compliance with employment law and worker protection regulations in partnership with employers.
SARB Regulations
South African Reserve Bank payment system regulations and financial stability requirements.
Tax Compliance
Full SARS compliance including VAT registration, PAYE, and Skills Development Levy obligations.
Security Measures
- ISO 27001 certified security management
- PCI DSS Level 1 compliance for payment data
- 256-bit SSL encryption for all transactions
- Multi-factor authentication systems
- 24/7 fraud monitoring and detection
Risk Controls
- Real-time transaction monitoring
- Automated risk scoring algorithms
- Regular third-party security audits
- Comprehensive business continuity planning
- Professional indemnity insurance coverage
PayDay Envelope maintains full transparency with regulatory authorities through:
Monthly Reporting
Comprehensive transaction and risk reports submitted to FSCA monthly
Annual Audits
Independent financial and compliance audits by registered audit firms
Public Disclosure
Annual compliance reports and financial statements available on request
Compliance Officer
Email: compliance@paydayenvelope.co.za
Phone: +27 11 123 4567 (Ext. 101)
Address: 123 Business Park, Sandton, Johannesburg, 2196
Regulatory Queries
FSCA Complaints: info@fsca.co.za
Ombudsman: ombud@fsos.co.za
POPIA Enquiries: inforeg@justice.gov.za