Compliance Is Not a Feature. It Is the Foundation.
Every card program on Vircard operates within a compliance framework designed to meet the requirements of regulators, auditors, card networks, and enterprise procurement teams. We do not bolt on compliance as an afterthought. It is embedded in every layer of our infrastructure, from cardholder onboarding through to transaction monitoring and dispute resolution.
Compliance Framework
KYC / KYB
Automated identity verification for individuals and businesses using document scanning, biometrics, and database checks
AML / CFT
Real-time transaction monitoring against configurable rules aligned with FATF recommendations and local regulatory requirements
Sanctions Screening
Automated screening against OFAC, EU, UN, and UK sanctions lists at onboarding and on an ongoing basis
PCI DSS Level 1
Highest tier of Payment Card Industry Data Security Standard all cardholder data processed and stored to Level 1 requirements
GDPR
Data handling practices compliant with EU General Data Protection Regulation; data processing agreements available
ISO 27001
Information security management system certified to international standard
Regulatory Coverage
Program operated under licensed entities covering EU (EMI), UK, UAE, and other key jurisdictions
Audit Logs
Immutable audit trail for all card, conversion, and compliance events; available for regulatory examination
Dispute Management
Chargeback and dispute handling compliant with Visa and Mastercard network rules; evidence management included
Fraud Prevention
Multi-layer fraud detection including ML-based scoring, velocity analysis, and 3D Secure 2.0 authentication
Stats
Maximum card data security certification
EU, UK, and UAE coverage under licensed entities
Real-time AML and fraud monitoring around the clock
KYB onboarding turnaround for standard business profiles