Patented program. Bank-grade compliance.
TransCash operates under strict KYC and AML controls, Visa and Mastercard scheme rules, and global IP protection, applied to a non-bank consumer experience.
US Patent 7,581,674 B2
TransCash holds an exclusive US patent on the dual prepaid debit card system, registered worldwide under the Paris Convention.
Paris Convention protection
Our patent is recognised in member states across the world, providing institutional protection wherever we operate.
KYC & identity verification
Eligibility is subject to appropriate verification and proof of identity (passport or government-issued ID), aligned with local regulations.
PIN-secured cards
Every card is protected with a PIN, supports Chip & PIN where available and can be locked or replaced instantly if lost or stolen.
Visa & Mastercard scheme rules
All TransCash cards operate under Visa and Mastercard scheme rules, including zero-liability protection on unauthorised transactions.
Code of conduct
We hold ourselves and our licensee community to the highest standards of business conduct and integrity, with a zero-tolerance ethics policy.
A defensible structural moat,
protected worldwide.
Granted in 2009, US Patent 7,581,674 B2 covers the methodology of TransCash's two-card prepaid system, addressing the need to simplify cross-border money sharing for migrant working populations. The patent is recognised internationally under the Paris Convention.
7,581,674 B2
US Patent · 2009
How we keep money safe.
Anti-Money Laundering (AML)
TransCash and its licensees apply transaction monitoring and reporting controls aligned with international AML frameworks. Suspicious activity is reviewed and escalated to relevant authorities where required.
Know Your Customer (KYC)
All cardholders are identified using government-issued identification before activation. Enhanced due diligence is applied where required by local regulations or risk assessment.
Data protection & privacy
We collect only the personal information necessary to verify identity, prevent fraud and operate your card. Data is stored securely on encrypted infrastructure and is never sold to third parties.
Cardholder property
Cards remain the property of the issuer and are subject to applicable laws and Visa / Mastercard regulations. Sufficient funds must be available on the card to complete a purchase.
Licensee oversight
Our licensee selection process is strict and ongoing performance is actively monitored. Breaches of our Code of Conduct trigger immediate review.
Multi-lingual customer service
TransCash operates a multi-lingual Customer Service Center to establish trust, comfort and friendly access for every cardholder.
Every certification, named in full.
PCI-DSS Level 1
Payment Card Industry Data Security Standard Level 1 — the highest certification level for card data handling. Tokenised PAN, AES-256 encryption at rest, TLS 1.3 in transit.
FinCEN MSB Registration
TransCash, Inc. is registered with the Financial Crimes Enforcement Network as a Money Services Business. OFAC sanctions screening on every transaction.
AML / KYC Framework
Anti-Money Laundering and Know Your Customer procedures applied at onboarding and on an ongoing transaction monitoring basis.
ISO 27001
Information Security Management System certification — governing data protection, access control and incident response procedures.
GDPR
Full compliance with the General Data Protection Regulation. Cardholder data handled under EU/UK data protection law.
Visa® and Mastercard® Network Licences
TransCash cards are issued under bank member licences of the Visa and Mastercard networks. Accepted in 150+ countries.
Established 2002
Over two decades of regulated financial infrastructure operation.
Issued under regulated programs.
| Region | Regulator | Programme type |
|---|---|---|
| United States | FinCEN, state regulators | MSB, prepaid access |
| European Union | Central Bank of Ireland | EMI passported across EEA |
| United Kingdom | Financial Conduct Authority | Authorised EMI |
| MENA | DFSA, Dubai | DIFC representative office |
| APAC | MAS, Singapore | Major Payment Institution (partner) |
Programme structures vary by territory. Specific licence references and issuer names are disclosed under NDA during diligence.
Quarterly
Internal AML transaction-monitoring review and sanctions screening calibration.
Annually
External financial audit, PCI-DSS QSA assessment, SOC 2 Type II report.
Continuous
Real-time fraud scoring, 24/7 SOC, automated vulnerability scanning across infrastructure.
Encrypted by design, monitored continuously.
TransCash has operated regulated card programs since 2002 across the Visa® and Mastercard® networks. Cardholder data is tokenised, transmitted over TLS 1.3 and stored within a PCI-DSS Level 1 card-data environment. GDPR-aligned controls govern data residency, subject-rights workflows and retention.
Tokenised PAN handling
Primary Account Numbers are vaulted and never exposed to licensee or merchant infrastructure.
AES-256 encryption at rest
All cardholder and KYC data encrypted with rotating keys managed in an HSM-backed vault.
TLS 1.3 in transit
Modern cipher suites enforced across all customer, partner and processor endpoints.
24/7 SOC monitoring
Continuous fraud scoring, anomaly detection and incident response across the platform.
GDPR & data residency
EU data processed within EU regions; subject-access and erasure handled within statutory windows.
Visa® & Mastercard® rails
Operating under scheme rules with zero-liability protection on unauthorised transactions, since 2002.
Money, reimagined
for a borderless life.
A regulated dual-card platform carried in over 150 countries. Speak with our team to learn more.