Compliance and Risk Management
Our Commitment
At W Payments, we understand that trust, transparency, and security are essential for building strong and sustainable business relationships.
For this reason, we maintain compliance policies and procedures designed to protect our users, preserve the integrity of our operations, and prevent fraud, money laundering, terrorist financing, evasion of international sanctions, and other illicit activities.
Our compliance program adopts a risk-based approach and integrates Know Your Customer (KYC), Know Your Business (KYB), source of funds verification, transaction monitoring, counterparty evaluation, and ongoing risk management procedures.
We recognize the specific characteristics of the creator economy, where income may come from multiple digital platforms, international business relationships, and diverse monetization models.
Therefore, our procedures seek to establish a clear link between the user's identity, their economic activity, the platforms generating their income, and the transactions carried out.
We operate under the principles of due diligence, necessity, proportionality, confidentiality, and continuous improvement, tailoring our verifications to the nature of each business relationship and the identified risks.
Our commitment is to provide a reliable, transparent, and responsible technological experience that enables creators, studios, agencies, and independent professionals to manage their income securely and efficiently.
About Us
W Payments is a technology platform operated by TWC International LLC, designed to facilitate revenue management, cross-platform monetization, and the coordination of payments and disbursements for digital economy participants.
Our services are geared toward content creators, models, digital artists, streamers, studios, agencies, independent contractors, and other individuals or businesses engaged in legitimate commercial activities.
We work with financial institutions, payment service providers, processors, and specialized technology partners, according to the needs of each service and jurisdiction.
W Payments is not a banking institution, a specialized electronic deposit and payment company (SEDPE), or a financial intermediation entity.
Our role consists of providing technological, administrative, and operational tools to facilitate revenue management and the coordination of payment instructions through third-party infrastructure.
Our Operating Model
W Payments provides a platform that allows its users to integrate income from compatible monetization platforms, check transactional information, manage operating balances, and coordinate withdrawal and disbursement requests.
Depending on the contracted service, users can access multi-platform monetization features, payment management, user-to-user transfers, and complementary services.
Underlying financial operations are executed through financial institutions, payment providers, and other specialized third parties that operate in accordance with their respective capacities and authorizations.
W Payments does not collect deposits from the public, nor does it conduct activities exclusively reserved for regulated financial institutions.
As part of our operating model, we apply identification procedures, document verification, economic activity validation, beneficiary screening, and transaction monitoring.
Our goal is to facilitate transparent and efficient revenue management, maintaining appropriate security, compliance, and traceability controls.
Our Partners and Suppliers
To provide our services, we collaborate with financial institutions, payment processors, technology providers, disbursement partners, and other specialized organizations across different jurisdictions.
These providers may participate in payment execution, settlement, currency conversion, identity verification, fraud prevention, regulatory compliance, and technological support processes.
We select and evaluate our relationships with third parties based on criteria of reliability, security, operational capacity, compliance, availability, and service continuity.
The participation of a provider does not necessarily imply a direct contractual relationship between that provider and each W Payments user.
W Payments maintains the commercial and operational coordination of the services it offers, within the scope of its agreements and applicable obligations.
Know Your Customer (KYC)
As part of our compliance program, we verify the identity of individuals who use our services.
These procedures may include:
Identity document verification.
Validation of legal age and legal capacity.
Biometric verification and authentication mechanisms.
Confirmation of contact information.
Validation of account and payment method ownership.
Identification of economic activities and monetization platforms.
Review of relevant information for the prevention of fraud and identity theft.
The depth of the verifications will depend on the risk profile, the characteristics of the business relationship, and the services used.
Users must provide true, complete, and updated information during their onboarding and throughout their use of the Platform.
Know Your Business (KYB)
Studios, agencies, and other legal entities that use W Payments will be subject to corporate validation procedures.
These checks may include:
Legal existence and registration of the entity.
Identification of authorized representatives.
Identification of ultimate beneficial owners (UBO).
Corporate structure and shareholding.
Economic activity and business model.
Tax information and operating jurisdictions.
Business relationships with platforms, creators, and other participants.
Authorizations to manage or coordinate payments to beneficiaries.
When a company manages operations related to multiple creators, W Payments may apply additional procedures to verify the corresponding business relationships and authorizations.
Our goal is to understand the structure and legitimacy of operations, without imposing unnecessary documentary requirements or those unrelated to the identified risk.
Creator Activity and Income Verification
We recognize that digital creator revenue can be generated through content platforms, live streams, subscriptions, affiliate programs, licensing, digital services, and other legitimate commercial activities.
As part of our controls, we may verify the relationship between the user, the platforms used, and the declared revenue.
These verifications may include:
Identification of monetization platforms.
Settlement statements issued by platforms.
Income histories and earnings reports.
Representation or service provision agreements.
Invoices and commercial documents.
Identification of the beneficial owner of the revenue.
Payment authorizations to studios, agencies, or beneficiaries.
Records that allow reconciling declared amounts with the corresponding transactions.
The required documentation will depend on the nature of the activity, the risk profile, and the characteristics of each transaction.
W Payments recognizes that revenue reports issued by digital platforms can constitute relevant commercial evidence to verify the source of funds.
Risk-Based Approach
We apply a risk-based assessment model to determine the appropriate level of review and monitoring for each user and business relationship.
Among the factors considered are:
Economic activity and monetization method.
Jurisdictions involved.
Volume, frequency, and behavior of transactions.
Platforms used to generate income.
Corporate structure, where applicable.
Identity and relationship of beneficiaries.
Payment and disbursement channels.
History of the business relationship.
Fraud alerts, sanctions, or documentary inconsistencies.
This approach allows for differentiated due diligence measures, avoiding the imposition of the same level of documentation on all users regardless of their activity and risk profile.
Source of Funds Verification
W Payments maintains procedures designed to understand and verify the legitimate source of funds related to transactions processed through the Platform.
Verification may be supported by appropriate commercial and transactional documentation, including:
Settlements and reports from monetization platforms.
Commercial contracts.
Invoices.
Proof of payment.
Accounting certifications.
Income reports.
Relevant tax documentation.
Reconciliation records.
Other equivalent documents related to the transactions.
Requests for additional information will follow criteria of necessity, relevance, and proportionality with respect to the transactions under review and applicable obligations.
Full bank statements do not constitute a general onboarding or ongoing requirement at W Payments.
When there is a duly identified legal, contractual, or risk-based justification, we may evaluate the need for additional financial documentation.
Whenever appropriate, certifications, partial statements, transaction receipts, or alternative documentation may be used to verify the required information without disclosing financial data unrelated to the review.
Our goal is to verify the legitimacy and traceability of transactions through reasonable procedures compatible with the commercial confidentiality of our users.
Activity and Transaction Monitoring
We implement monitoring procedures designed to identify unusual activity, operational inconsistencies, or behaviors that may pose risks to our users, providers, or the integrity of the Platform.
These procedures may consider:
Significant changes in revenue volumes.
Operations inconsistent with the declared activity.
Discrepancies between account holders and beneficiaries.
Unusual payment instructions.
Transactional patterns that require verification.
Inconsistencies in platform reports.
Claims, chargebacks, or fraud alerts.
When necessary, we may request clarifications, conduct complementary verifications, or coordinate temporary restrictions on certain operations in accordance with our powers and applicable obligations.
The purpose of these controls is to ensure that operations maintain a reasonable relationship with the declared commercial activities.
Verification of Beneficiaries and Payment Destinations
W Payments applies procedures intended to verify the identity and legitimacy of the beneficiaries of transactions coordinated through the Platform.
These verifications may include identifying the payment method holder, validating bank details, confirming authorizations, and reviewing the business relationship between the user and the beneficiary.
When requesting payments to third parties, studios, agencies, or collaborators, documents proving the corresponding authorization may be required.
Payments to beneficiaries will be subject to the terms and conditions of the providers who physically execute the transactions, as well as applicable security and compliance controls.
International Sanctions and Politically Exposed Persons
As part of our compliance controls, we may perform checks against international sanctions lists, restrictive lists, and relevant public information sources.
Likewise, we may apply enhanced due diligence measures when we identify relationships with Politically Exposed Persons (PEPs), high-risk beneficial owners, or other circumstances that require a more detailed assessment.
These measures will be determined according to the nature of the identified risk and applicable obligations.
Alert Management and Enhanced Due Diligence
W Payments includes procedures for identifying, reviewing, and escalating alerts related to users, companies, beneficiaries, and transactions.
When unusual or elevated risk indicators are identified, we may apply enhanced due diligence measures, request additional documentation, or coordinate reviews with the involved providers.
The measures adopted will be proportionate to the identified risk and may include the review, postponement, rejection, or restriction of certain transactions, in accordance with the applicable contractual terms and obligations.
These procedures help preserve the security of the Platform and prevent illicit financial activities.
Fraud Prevention and Account Protection
W Payments maintains controls designed to prevent, detect, and investigate fraudulent activities, unauthorized access, identity theft, and misuse of accounts.
These controls may include:
Biometric verification.
User authentication.
Document validation.
Transactional behavior analysis.
Review of destination account changes.
Identification of unusual transactions.
Manual security reviews.
Preventive account protection measures.
When relevant risks are detected, we may apply additional verifications or temporary restrictions intended to protect the user and the integrity of the services.
Chargebacks, Reversals, and Rolling Reserves
Certain transactions may be subject to chargebacks, reversals, commercial claims, or adjustments originating from the involved monetization platforms and providers.
W Payments maintains review and reconciliation procedures designed to identify these events and determine their relationship to the corresponding transactions.
When risks are identified, preventive reserves, temporary restrictions, or additional verification measures may be applied, in accordance with the applicable contractual terms.
These measures will seek to remain proportionate to the nature and magnitude of the identified risk.
The Platform may provide supporting information and documentation for the review of claims and adjustments, within the corresponding operational powers and capabilities.
Transfers Between Users
Once this feature is enabled, transfers between W Payments users will be subject to identity verification, availability of funds, fraud prevention, and transaction monitoring.
We may verify the identity of the parties, the nature of the transaction, and the legitimacy of the transmitted instructions.
Internal transfers may be subject to operational limits, additional validations, or restrictions when relevant risks are identified.
The availability of this feature will depend on the technical and operational conditions of the corresponding providers.
Early Settlements and Pay Me Now
Early settlement services, including Págame Ya, may be subject to additional risk assessment and management procedures.
These controls may consider income confirmation, monetization history, transactional behavior, user eligibility, and the relevant provider's conditions.
Approval of a request will depend on applicable commercial, operational, and risk criteria.
W Payments may implement additional verification mechanisms to prevent fraudulent requests, duplicate settlements, or advances on unconfirmed income.
Protection of Creators and Legitimate Digital Activities
W Payments recognizes the diversity of professional activities that are part of the digital and creator economy.
Our services can support legitimate activities related to digital content, entertainment, live streaming, subscriptions, creative services, and other monetization methods.
Where applicable, we apply procedures designed to verify the age of majority, identity, legitimacy of activities, and compliance with applicable commercial terms.
W Payments does not permit the use of its services for activities involving sexual exploitation, child abuse, human trafficking, illegal content, coercion, or any other conduct prohibited by applicable law.
The evaluation of commercial activities will be carried out considering their legality, operational characteristics, jurisdiction, and compatibility with the policies of the corresponding providers.
Counterparty and Partner Due Diligence
W Payments applies evaluation and due diligence criteria in the selection and monitoring of its financial, technological, and operational providers.
These evaluations may consider:
Corporate identification.
Applicable authorizations and registrations.
Operating jurisdictions.
Technological and operational capacity.
Security and compliance procedures.
Business continuity.
Relevant counterparty background.
Our goal is to establish relationships with organizations that maintain appropriate standards of transparency, reliability, security, and risk management.
Operational Continuity and Resilience
W Payments incorporates operational continuity and technological resilience principles into the provision of its services.
Our model allows for the integration of different payment providers, financial institutions, and technology partners, promoting channel diversification and reducing operational dependencies.
We maintain monitoring, vendor evaluation, and contingency management procedures aimed at preserving the availability and stability of our services.
Operational continuity is an important part of our commitment to creators, studios, agencies, and other users who depend on the timely management of their earnings.
Prohibited Activities
W Payments does not provide services to individuals or entities involved in illegal activities or activities incompatible with its risk policies.
Among others, activities related to the following are prohibited or restricted:
Money laundering.
Terrorist financing.
Financial fraud.
Identity theft.
Corruption.
Evasion of international sanctions.
Operations aimed at concealing the origin or destination of funds.
Child sexual exploitation and human trafficking.
Use of false identities or authorizations.
Commercial activities requiring legally enforceable licenses or authorizations that have not been obtained.
W Payments may reject, suspend, or terminate business relationships when it identifies risks incompatible with its internal policies, applicable obligations, or the terms of the corresponding providers.
Information Protection and Confidentiality
We acknowledge the confidential nature of the personal, commercial, financial, contractual, and transactional information provided by our users.
We implement administrative, technical, and organizational measures designed to protect the confidentiality, integrity, and availability of the information under our responsibility.
The information may be used for the provision of services, identity verification, fraud prevention, risk management, and compliance with legitimate obligations.
Disclosure to providers and third parties will be carried out in accordance with criteria of necessity, relevance, proportionality, and data minimization, respecting the corresponding legal and contractual bases.
When we receive additional requests for information, we will seek to verify their purpose and scope, using equivalent commercial or transactional documentation where appropriate.
The processing of personal and biometric data will be carried out in accordance with our Privacy Policy and applicable legislation.
Record Retention
We maintain records related to our users, businesses, operations, and compliance processes for the periods required by applicable law and relevant contractual obligations.
These records may be used for auditing, reconciliation, fraud prevention, risk management, and addressing legitimate requests.
We apply criteria for restricted access, information security, and responsible document retention.
Continuous Improvement
Our compliance program is subject to periodic review and updates to adapt to regulatory changes, industry best practices, technological evolution, and new risk typologies.
Continuous improvement is part of our commitment to user safety, the trust of our partners, and the sustainability of our services.
Compliance Governance
W Payments' compliance program is periodically monitored and reviewed by TWC International LLC management.
Policies and procedures may be updated to reflect legal, contractual, operational, or risk-related changes.
Compliance management is integrated with onboarding, support, security, operations, and vendor evaluation processes.
Compliance Contact
For inquiries related to compliance, document validation, fraud prevention, or due diligence procedures, you may contact us at:
compliance@twcinternational.llc
Or through the official customer service channels published on our website.