Compliance & Governance
POPIA-aligned. Bank-sponsored operating model. Audit-ready reporting.
Last updated: 21 May 2026
No-Cash is built to operate responsibly within South Africa's payments ecosystem — giving businesses, recipients, and partners confidence that every cashless tip is handled with appropriate controls.
This page explains how we approach compliance, security, privacy, and dispute handling as a digital tipping and micropayments platform.
What No-Cash Is (and What It Is Not)
No-Cash is a cashless digital tipping platform that enables customers to tip frontline workers via QR code payments — no app download required. We facilitate payment flows and provide reporting that supports transparent outcomes for workers and businesses.
No-Cash is not a bank or financial advice provider. We do not hold deposits, provide credit, or act as a trustee, escrow provider, payroll provider, insurer, or fiduciary.
Who regulates No-Cash?
No-Cash operates as a bank-sponsored Third Party Payment Provider (TPPP) in line with PASA and SARB requirements. In practice, this means:
- A sponsoring bank supports our operating model for third-party payment services.
- No-Cash implements controls appropriate to cashless tipping and micropayments risk profiles.
- We maintain records, reporting, and audit trails appropriate to the service.
How a No-Cash tip flows
How is your money protected?
No-Cash is designed so that every tip has a clear digital trail from initiation to settlement.
Typical flow
- Customer scans a No-Cash QR code.
- Customer completes an online payment using supported payment rails.
- The recipient receives confirmation — for example, an instant notification.
- Funds are settled to the recipient using the selected payout method, subject to verification and controls.
Auditability and reporting
- We maintain transaction records and reporting suitable for businesses that require visibility — for example, statements, exports, and reconciliation support.
- Where employer dashboards are enabled, businesses can view activity and generate reports to support internal controls and dispute resolution.
KYC, Identity Verification & Recipient Onboarding
We apply KYC and verification controls appropriate to the service and payout methods used. Typical verification includes:
- Identity verification (SA ID or equivalent acceptable documentation)
- Contact verification (mobile number)
- Payout details verification (bank account where relevant)
- Ongoing verification where risk signals warrant additional checks
These controls exist to reduce impersonation and payout diversion, protect customers from misdirection and fraud, and support businesses requiring clean operational governance.
Our approach is risk-based. Higher-risk scenarios may require enhanced verification, additional documentation, or delayed settlement.
AML and Fraud Prevention
Cashless tipping is low-value and high-frequency. Our controls are practical, automated where possible, and escalation-based when needed. Our approach includes:
- Monitoring for suspicious or abnormal patterns — velocity, geographic anomalies, repeat high-value attempts.
- Restricting or pausing settlement where risk is detected.
- Investigating reported issues and taking corrective action.
- Maintaining evidence trails for dispute handling and platform integrity.
No-Cash reserves the right to decline transactions, suspend or limit accounts, delay payouts pending verification, and request additional information to meet compliance expectations.
What data does No-Cash collect?
No-Cash is committed to POPIA-aligned processing of personal information.
Payment Security
Card security: Payments are processed through a PCI-DSS certified payment processor. No-Cash does not store full card numbers, CVV values, or sensitive authentication data (SAD).
Platform security: We use secure transport (HTTPS) and standard security practices to protect data in transit and reduce unauthorised access risk.
What we store
- Account details (name, contact, verification status)
- Transaction references and settlement records
- Support and dispute logs where relevant
What we do not store
- Full card numbers
- CVV or CVC values
- Sensitive authentication data (SAD)
Disputes, Refunds & Chargebacks
We handle disputes and payment issues seriously because they directly impact customer trust, business confidence, and recipient livelihoods.
If a customer reports an issue
- We investigate using transaction logs and platform records.
- Where appropriate, we guide customers through the correct dispute or refund channel.
- We may request supporting information to resolve disputes fairly.
If a business reports an issue
- We support reconciliation and reporting exports.
- We investigate operational concerns — for example, incorrect QR assignment, staff changes, or admin configuration.
If we detect fraud
- We may block or reverse settlement.
- We may suspend accounts.
- We may cooperate with payment partners where required to resolve the matter.
Business Continuity
No-Cash is designed so the platform can be operated responsibly even during operational disruption.
Our commitments include:
- Maintaining access to core transaction records for reconciliation and dispute handling.
- Preserving audit trails needed for operational continuity.
- Providing clear support channels for businesses and recipients.
Operational continuity principles:
- Tips and payments follow controlled settlement processes.
- We prioritise resolution of pending items — payout exceptions, verification backlogs, disputes.
- We follow prescribed escalation routes where required by law or partner obligations.
Compliance Checklist
A summary of No-Cash's compliance commitments across key operational areas.
Legal Documents & Policies
Our full legal documentation is available below. These documents form part of our compliance and governance framework.
Contact & Compliance Queries
For business partners, investors, auditors, or regulators who need further information — or for support requests and data rights queries: