Compliance and Guarantees

Legal integrity and financial security of your infrastructure

Paysto is not only a technological, but also a legal foundation for your business in Russia. We undertake to fulfill all regulatory requirements, providing you with a 100% guarantee of legal compliance and protection against risks.

Russian Federation Legislation (Federal Laws)

Our infrastructure is designed for full compliance with the main federal laws regulating financial operations and data protection on the territory of the Russian Federation.

Federal Law No. 54 "On the Use of Cash Register Equipment"

We ensure full compliance with the law "On online cash registers" through the "Operator's Cash Register" model:

• Fiscalization: Paysto automatically generates and sends all necessary fiscal receipts to the Federal Tax Service (FTS) on its own behalf.
• Zero CAPEX: You are not required to purchase, register, or maintain your own cash register equipment (CRE) and fiscal accumulator (FA).
• Tax Transparency: All transactions are legalized, which eliminates risks for the merchant associated with untimely or incorrect fiscalization.

Federal Law No. 152 "On Personal Data"

We guarantee the safety and confidentiality of your clients' data:

• Data Localization: All servers and databases storing and processing personal data of Russian citizens are physically located on the territory of the Russian Federation.
• Storage Security: All necessary technical and organizational measures are applied to protect against unauthorized access.

AML/KYC and Financial Monitoring

To ensure the purity of financial flows and prevent fraud, Paysto uses strict internal policies based on international Anti-Money Laundering (AML) and Know Your Customer (KYC) standards.

• Merchant Verification: All new partners undergo a multi-stage verification (KYC) before starting work, which ensures a high Trust Score for the entire infrastructure.
• Financial Monitoring: Transactions and operations are under constant control by our Security Service to identify suspicious activity and comply with the requirements of Federal Law No. 115-FZ (Countering the Legalization (Laundering) of Proceeds).
• Claim Moderation: All disputes and claims (Chargebacks) undergo mandatory moderation, protecting providers from unfounded requests and reducing fraud.

Security and Reliability

Payment Security (PCI DSS)

Our payment gateways and infrastructure processing bank card data comply with the international standard Payment Card Industry Data Security Standard (PCI DSS). This ensures maximum protection of card data.

Trust (Trust Score)

We maintain a high reputation with acquiring banks and payment systems. The use of a Closed or Individual Infrastructure guarantees a clean transaction history (high Trust Score) for your business, which leads to:

1. Reduced refusal rate for payments.
2. Possibility of obtaining individual limits and tariffs from banks.

Uptime Guarantee

Paysto's infrastructure is built on a fault-tolerant, microservice architecture with key node redundancy. This ensures maximum uptime (availability) of services and uninterrupted payment processing 24/7.