What is Compliance?

Finance Incorporated business is entirely built upon trust, our customers trust us with their payment requirements and thereby we place our regulatory obligations at the center of our business. Our compliance function does not simply stop at setting rules about honesty and training staff on the importance of honesty and candor but also test the rules in place to ensure that the company is aligned to its policies and values.

Finance Incorporated Finance Inc. is a licensed and regulated Financial Institution, authorized by the Malta Financial Services Authority (MFSA) as a payment service provider and as an electronic money institution. Finance Incorporated is also approved by MasterCard Europe as a principal issuing member.

Compliance in practice

Our mission statement is to build a strong name in the industry that proactively meeting the customer needs whilst complying with the all the technical and regulatory requirements.

All transactional activity is screened for Sanctions, AML & CFT exposure. We exercise oversight and control in line with our legal obligations because we understand the risk and impact created when criminal funds are channeled and laundered through the financial system. We do not simply abide by the regulations because we are compelled to do so, but because we need to ensure that the financial tools offered by Finance Incorporated are not abused by criminals.

We often ask questions since we wish to understand our customer business thereby building on long lasting relationships and ensuring that we are well positions to service our customer needs. At Finance Incorporated Finance we consider your business as our business.

Anti-Bribery & Corruption

The Board of Directors of Finance Incorporated Finance Inc is committed to zero tolerance of any act, or attempt, of bribery. The company has implemented a policy and procedure which is proportionate to the business of Finance Incorporated Finance Inc to align with the Wolfsberg Principles and manage Anti Bribery & Compliance obligations. The company:

Does not accept nor give cash gifts or cash equivalents with the intent to Fosters a Zero tolerance approach to bribery.
Has implemented procedures and controls in place to prevent and detect bribery attempts.
Helps employees to develop the right instincts to know what to do and whom to escalate in case of difficulties.
Adopts a top down approach, to train and constantly reinforce the message.

Risk Management

Risk management lies at the very core of the success or failure of Finance Incorporated Finance Policies. Risk identification pinpoints the specific areas in which our company faces AML & CFT, Fraud, Bribery and corruption risks and allows us to better evaluate and mitigate these risks. Our Compliance and Risk functions assess the vulnerability of each business unit to these risks on an ongoing basis and our Risk management committee conducts oversight on a regular basis to ensure that risk is appropriately mitigated. In line with our governance structure, all outcomes are subject to review by the Board of Directors.

Mission Statement

Our core values are written in our Mission Statement.

Complaints Handling Procedure

Our aim is to build on long lasting relationships however we acknowledge the fact that things sometimes can go wrong.

We take the opportunity to learn from complaints thereby we thank you in advance when you give us the opportunity to understand where we fell short of customer expectations.

Should you decide to bring your concern to our attention, we aim to:

Identify and address shortfalls as best and as quickly as we can.
Clearly communicate the next steps following your complaint and ensure that you know who is dealing with your concern. At times we may need more time to work out what’s gone wrong.
Understand your issue and seek ways to implement the necessary changes to ensure it doesn’t happen again.
Link to complaints procedure

Client Due Diligence

We will ask a number of questions and request documents as part of the onboarding procedure and throughout the progress of our business relationship.

Whilst this may sound invasive, in order to keep our services and our partners secure, and to combat fraud and money laundering, Finance Incorporated Finance is legally obliged to collect this documentation to ensure that we have a thorough understanding of the businesses using our financial services. The information we collect will be retained in strict confidence and governed under the General Data Protection Regulations, the PMLA act and subsidiary legislation. We will ask questions to ensure that we understand the provenience of the funds channeled through the financial system and we are always happy to discuss and clarify on the requested documentation. Whilst we could attribute this requirement to industry-standards, we genuinely wish to understand our client’s business and be able to provide the best payment solutions in the market. Thus, getting to know your business better is important for us and will in turn help us provide an outstanding service.

Finance Incorporated Mission Statement

Always evolving for our customers with our customers, to provide costless financial transactions.

Customer Commitment

We believe each customer is unique and we will make them feel so.


We keep our house happy, tidy, and fun! Customers never love a company until the employees love it first. (Simon Sinek)


Use, adapt and create technology. Think outside of the box and create win-win scenarios for customers and company


Before everything, before work, before team, before company, first of all we are decent human beings. We respect each other, we respect life and nature. And we encourage each other.

Environmental, Social and Corporate Governance
Our Approach
We believe and hope that our values and standards to protect and respect to the environment will inspire others and jointly we could accomplish to leave a better world to next generations.

For our part, Finance Incorporated Ltd commits to:

  • Comply with all relevant environmental legislation, regulations, and approved codes of practice in the countries where we operate
  • Lower the direct environmental effect of our activities by attempting to lease centrally located office space in order to reduce the impact of traffic, thus minimizing emissions.
  • Promoting carpooling initiatives and seeking office space with easy and accessible public transport connections
  • Promoting and supporting home working arrangements to reduce the traffic impact
  • Facilitate payment services with favorable terms towards entities that operate their business under a proven ESG policy.
  • Providing philanthropic support to local environmental charities,
  • Provide training and engagement opportunities for our people in sustainability leadership and responsibility
  • Share our sustainability strategy and Key Targets and Goals with all key stakeholder groups, communicate our environmental performance to our employees and other significant stakeholders and publish our progress annually.
  • Require all suppliers to adhere to our Code of Conduct and maintain high levels of environmental and ethical performance
  • Obtain third party assurance annually on carbon emissions and other material environmental performance metrics
  • Seek to continuously improve our environmental performance.

Uncontrolled Development and Climate change represents an urgent and potentially irreversible threat to human societies and the planet, a threat recognised by the 184 countries that have signed the 2015 Paris Agreement on climate change. Climate change is not a world problem but indeed, its everyone’s problem. At Finance Incorporated we have decided to make it our problem and whilst our efforts may be small in comparison to magnate operators we believe that the little drops will in time carve the stone and leave the desired impact where other operators will acknowledge and join this commitment.

This statement summarises how Finance Incorporated approaches sustainability and climate change, capturing the main initiatives it is taking.


The Intergovernmental Panel on Climate Change (IPCC), a body set up by 195 members of the United Nations to provide rigorous and balanced scientific information on climate change, confirms that the climate system is warming up. The IPCC concludes that the period from 1983 to 2012 was probably the warmest 30-year period over the last 1400 years. Average global temperatures have increased by approximately 0.85°C between 1880 and 2012.

Scientists differ in their forecasts and impact of climate change however they all agree that it is happening and acknowledge the dangerous consequences. There has already been an increase in the frequency of extreme events such as heatwaves, wildfires, droughts, and floods, as well as rises in sea levels and the retreat of glaciers. In Malta, the seasons are merging into two a typical long summer followed by a mild short winter. The overlapping seasons of Spring and Autumn are becoming shorter every year.

These changes have had adverse impacts on human health, wildlife, plants, crop yields, food security and water availability. Whilst the impact varies across different countries, the consequences are serious. Undoubtedly the heaviest burden will be borne by the world’s poorest people. Greenhouse gases are extremely likely to have been the main cause of global warming since the middle of the last century. The largest emissions come from the burning of fossil fuels, particularly coal, from agriculture and from deforestation and other changes in land use. Forests also act as a “sink” by soaking up carbon dioxide, a prominent greenhouse gas, and are rich in biodiversity.

These events are a call to action and Finance Incorporated along numerous other companies are working towards taking effective action by endorsing the right culture whilst refusing to work at the detriment to the environment.

Finance Incorporated’s view on this subject

The Businesses, the civil society, communities, and Governments share a common goal and the payments industry is a critical cogwheel in every business. The Payment industry is utilized to finance major business initiatives and the setup of new enterprises, such as the set up of new factories or the deforestation of existing woodlands. The payments industry can influence and drive much awaited green initiatives, such as the set-up of solar or wind farms in the fight against climate change. Governments are crucial in setting long-term, stable policies which support the investment decisions needed in the transition to a low-carbon economy.

Finance Incorporated therefore welcomes the Paris Agreement and will seek to supplement the agreement with the following voluntary actions.

Seek to reduce the impact on the environment by utilizing carbon neutral solutions, recycled materials, and energy efficient solutions. We shall seek to reduce the use of plastic and paper in everything we do.
Payment Solutions
providing payment solutions which are consistent with a pathway to low greenhouse gas emissions. Whilst we will seek to tighten our Customer onboarding policy and refuse business that has a direct negative impact on the environment.

Moreover, in our correspondences and relations with our existing and potential clients, we would like to inform that, Finance Incorporated is committed to refuse providing services towards any client whose operation falls under the below activities:

  • Businesses that have operations that adversely impact upon the Outstanding Universal Value of UNESCO World Heritage Sites. Visit UNESCO’s Website
  • Businesses that have operations located within, or create significant negative impact upon wetlands designated under the Ramsar Convention of Wetlands of International importance. Visit Ramsar’s Website
  • Businesses that convert or degrade High Conservation Value (HCV), High Carbon Stock (HCS) forests, or peatlands
  • Businesses that trade or process species listed on the Convention of International Trade in Endangered Species of Wild Fauna and Flora. Visit CITES’s Website
  • Businesses that are involved/profiting from Child labour or forced labour, or violations of human rights

We believe that these activities are against our business ethics and we recognize the negative impact left by these activities on society and on the environment.

Finance Incorporated Prohibited industries list as defined by the ESG policy

Finance Incorporated Ltd will not provide financial services to clients who:

  • Tar sands exploration and/or production activities
  • Standalone non-captive thermal coal mining projects
  • Arctic exploration and/or production activities
  • Asbestos mining operations
  • Mining operations that conduct direct marine or riverine tailings disposal
  • The manufacture or distribution of nuclear weapons
  • Nuclear power plants
  • New plantations which convert or degrade High Conservation Value (HCV) or High Carbon Stock (HCS) Primary forests, peatlands, or designated legally protected areas
  • Operations which use fire for land clearance
  • The production, manufacture, or trade of fur
  • The production, manufacture, or trade of Angora wool
  • Operations that grow, process or trade soy from the Brazilian Amazon or Brazilian Cerrado
  • Operations which practice shark finning or trade in shark fin products
  • Operations which practice drift net fishing, deep sea bottom trawling or fishing with the use of explosives or cyanide
  • Illegal Unreported and Unregulated (IUU) fishing or use of vessels known to have conducted IUU fishing.