Collect USD from US clients, pay suppliers in LATAM and Europe, convert balances — fast, compliant, documented.
Cobra USD de clientes en EE.UU., paga proveedores en LATAM y Europa, convierte saldos — rápido, documentado y conforme.
// Live payment corridors
// Corredores activos
Your US-based clients fund your payment mandate domestically. You receive settlement in local currency — without a foreign bank account or SWIFT friction.
Tus clientes en EE.UU. financian tu mandato de pago domésticamente. Recibes liquidación en moneda local — sin cuenta en el extranjero ni fricción SWIFT.
Pay suppliers in China, Dubai, Europe and LATAM in their local currency. Same business day on primary corridors. No international bank account needed.
Paga proveedores en China, Dubai, Europa y LATAM en su moneda local. Mismo día hábil en corredores principales. Sin cuenta bancaria internacional.
Convert your digital balances back to USD for payroll, domestic expenses, or banking. Simple, documented under signed payment mandate.
Convierte tus saldos digitales a USD para nómina, gastos o banca. Simple y documentado bajo mandato de pago firmado.
IS Pay coordinates your full cross-border payment workflow — inbound collections, outbound supplier payments, and balance management across currencies.
IS Pay coordina tu flujo completo de pagos transfronterizos — cobros entrantes, pagos a proveedores y gestión de saldos en múltiples monedas.
Complete KYC/KYB onboarding. Submit your company documents. Approval is typically same day.
Completa el onboarding KYC/KYB. Envía documentos de tu empresa. Aprobación típicamente el mismo día.
KYC / KYB Verified KYC / KYB VerificadoSubmit a signed payment instruction with beneficiary, amount, and purpose. IS Pay reviews and executes.
Envía una instrucción de pago firmada con beneficiario, monto y propósito. IS Pay revisa y ejecuta.
Compliance reviewed Revisión de cumplimientoSettlement delivered in local currency. You receive execution confirmation with full documentation.
Liquidación entregada en moneda local. Recibes confirmación de ejecución con documentación completa.
Fully documented Totalmente documentadoPrimary corridors settle same business day. No SWIFT delays, no correspondent bank chains.
Los corredores principales liquidan el mismo día hábil. Sin demoras SWIFT ni cadenas de bancos corresponsales.
Every payment runs under a signed mandate with documented commercial purpose. Full audit trail for your accounting and compliance needs.
Cada pago corre bajo un mandato firmado con propósito comercial documentado. Trazabilidad completa para tu contabilidad y cumplimiento.
IS Pay is a federally registered Money Services Business with a written AML/BSA program, automated OFAC screening, and a designated Compliance Officer.
IS Pay es un Money Services Business registrado federalmente con programa AML/BSA escrito, screening OFAC automatizado y Compliance Officer designado.
Active corridors in Colombia, Mexico, Chile, Venezuela, Europe — markets where traditional banking is slow, expensive, or simply unavailable.
Corredores activos en Colombia, México, Chile, Venezuela, Europa — mercados donde la banca tradicional es lenta, cara o simplemente no disponible.
IS Pay serves exclusively KYC/KYB-verified businesses. Services are limited to approved commercial use cases. No consumer products.
IS Pay sirve exclusivamente a empresas verificadas KYC/KYB. Servicios limitados a casos de uso comercial aprobados. Sin productos de consumo.
You deal directly with IS Pay. One team, one contact, full visibility on every mandate from instruction to settlement confirmation.
Tratas directamente con IS Pay. Un equipo, un contacto, visibilidad total en cada mandato desde la instrucción hasta la confirmación de liquidación.
Tell us about your business and payment needs. We'll reply within one business day.
Cuéntanos sobre tu empresa y necesidades de pago. Respondemos en un día hábil.
IS Pay is a FinCEN-registered Money Services Business with an active AML/BSA program. Available for institutional review.
IS Pay es un Money Services Business registrado ante FinCEN con programa AML/BSA activo. Disponible para revisión institucional.
IS Global Services, LLC (DBA: IS Pay) is a Money Services Business federally registered with the Financial Crimes Enforcement Network (FinCEN), U.S. Department of the Treasury, under 31 CFR Part 1022.
| Legal Entity | IS Global Services, LLC |
| DBA / Brand | IS Pay — ispayservices.com |
| Jurisdiction | Florida, United States |
| Registered With | FinCEN — Financial Crimes Enforcement Network, U.S. Department of the Treasury |
| MSB Reg. No. | Available upon institutional request |
| Activity Codes | 409 — Money Transmitter | 415 — Dealer in Foreign Exchange | 499 — Other |
| Status | Active & Current |
| Reg. Framework | 31 CFR Part 1022 — Rules for Money Services Businesses / Bank Secrecy Act / AMLA 2020 |
| Renewal | Every two years per FinCEN requirements |
| Compliance Officer | Available upon institutional request |
| Contact | [email protected] |
IS Pay operates a comprehensive AML/BSA compliance program designed to meet institutional standards. This page is intended for institutional reviewers, banking partners, and due diligence processes.
IS Pay maintains a written AML/BSA Compliance Program per 31 U.S.C. § 5318(h) and 31 CFR 1022.210. The program covers all five BSA pillars and is reviewed annually or upon material change to the business model.
Comprehensive written policies covering payment mandate execution, KYC/KYB onboarding, transaction monitoring, suspicious activity identification, SAR/CTR filing, BSA recordkeeping compliance, and recordkeeping — tailored to IS Pay's B2B payment mandate model.
A dedicated Compliance Officer responsible for day-to-day AML program oversight, SAR/CTR decisions, OFAC screening review, and regulatory communication.
All personnel complete AML training at onboarding and annually. Training covers red flags, SAR non-disclosure obligations (31 U.S.C. § 5318(g)(2)), and payment mandate compliance procedures.
Pre-execution compliance review on every mandate, automated KYC/KYB verification, automated OFAC/PEP/sanctions screening, and daily Transaction Ledger review by the Compliance Officer.
Annual independent testing of all program elements by an external reviewer. Findings reported to Senior Management with documented remediation plans and timelines.
⚠ No client may receive IS Pay services without completed and approved KYC/KYB verification. No exceptions.
The Compliance Officer reviews the Transaction Ledger daily. The following patterns trigger mandatory investigation:
Under 31 U.S.C. § 5318(g)(2), IS Pay is LEGALLY PROHIBITED from disclosing to any customer, agent, or other person that IS Pay has filed or is considering filing a Suspicious Activity Report. Violation is a federal offense. No IS Pay employee may reveal the existence or content of a SAR under any circumstance.
For all payment mandates of $3,000 USD or more, IS Pay collects and retains originator and beneficiary information per the BSA BSA Recordkeeping Compliance.
| Amount | Obligation | IS Pay Action |
| < $3,000 | No BSA Recordkeeping Compliance requirement | Standard Transaction Ledger entry |
| $3,000 – $9,999 | Collect and retain originator / beneficiary data | Complete Section E of Payment Instruction Form |
| ≥ $10,000 cash | CTR + BSA Recordkeeping Compliance | File CTR within 15 days + BSA Recordkeeping Compliance documentation |
| Any amount — suspicious | SAR potential — threshold-independent | Investigate and escalate to Compliance Officer |
IS Pay maintains a Prohibited Activities Policy that is enforced at onboarding and on an ongoing basis. The following activities and client types are categorically prohibited — no exceptions.
Client Types
Transaction Types
Industries
Enforcement
IS Pay reserves the right to reject onboarding, terminate a client relationship, or decline any payment mandate at any time without disclosure of reason, including in accordance with SAR non-disclosure obligations under 31 U.S.C. § 5318(g)(2).
IS Pay maintains the following active controls across all payment mandate operations. These controls are applied at onboarding, pre-execution, and on an ongoing basis.
Full compliance documentation for institutional review — AML/BSA program, flow of funds, KYC/OFAC procedures, FinCEN certificate, and transaction volume data.
IS Pay is actively seeking relationships with banking partners, BaaS platforms, payout rail providers, FX infrastructure providers, and compliance technology partners. We bring an active B2B client network, institutional-grade compliance, and documented commercial payment operations.
IS Pay is not seeking a product. IS Pay is offering a distribution network. The partnership model is straightforward:
IS Pay handles all client acquisition, KYC/KYB onboarding, compliance oversight, payment mandate documentation, and relationship management. The partner does not interface with IS Pay's clients directly.
The partner provides settlement rails, banking access, payout API, or liquidity infrastructure. IS Pay routes payment mandates through the partner's regulated infrastructure to execute settlement in the destination corridor.
IS Pay operates within the partner's compliance framework and provides full transparency — AML program, client onboarding procedures, transaction documentation, and audit logs — at the partner's request.
Revenue share, volume commitments, and operational SLAs are negotiated based on corridor coverage and settlement capacity. IS Pay is prepared to sign partner agreements, NDA, and compliance attestations.
If you are a bank, BaaS platform, payout rail provider, or payment infrastructure partner and want to explore a relationship with IS Pay, reach out directly to our compliance and partnerships team.