Regulatory Intelligence

Compliance on Autopilot. Every Country. Every Rule. Every Update

Zyrix automatically adapts to local regulations across 15+ countries. New law in Saudi? Updated KDV in Turkey? We handle it before you even hear about it

Payment Regulations by Country

Country3D SecureTax RateKYC ThresholdLocal MethodsRegulatorData Residency
๐Ÿ‡ธ๐Ÿ‡ฆ Saudi ArabiaRequired15% VAT250 SARmada, SADAD, STC PaySAMASaudi servers
๐Ÿ‡ฆ๐Ÿ‡ช UAERequired5% VAT500 AEDโ€”CBUAEUAE preferred
๐Ÿ‡น๐Ÿ‡ท TurkeyRequired18% KDV1,500 TRYโ€”BDDK / KVKKTurkey required
๐Ÿ‡ช๐Ÿ‡ฌ EgyptRequired14% VAT1,000 EGPFawry, MeezaCBEEgypt required
๐Ÿ‡ฐ๐Ÿ‡ผ KuwaitRequired0%100 KWDKNETCBKโ€”
๐Ÿ‡ง๐Ÿ‡ญ BahrainConditional0%50 BHDBenefitCBBโ€”
๐Ÿ‡ด๐Ÿ‡ฒ OmanRequired5% VAT100 OMRThawaniCBOโ€”
๐Ÿ‡ถ๐Ÿ‡ฆ QatarRequired0%500 QARโ€”QCBโ€”
๐Ÿ‡ฎ๐Ÿ‡ถ IraqConditional15% tax$250CashUCBIโ€”
๐Ÿ‡ฏ๐Ÿ‡ด JordanRequired16% GST100 JODeFAWATEERcomCBJโ€”
๐Ÿ‡ต๐Ÿ‡ฐ PakistanConditional17% GSTPKR 50,000JazzCash, EasypaisaSBPPakistan req.
๐Ÿ‡ณ๐Ÿ‡ฌ NigeriaConditional7.5% VATโ‚ฆ50,000Paystack, FlutterwaveCBNโ€”
๐Ÿ‡ช๐Ÿ‡บ EURequiredvariesvariesSEPAvariesEU (GDPR)
๐Ÿ‡บ๐Ÿ‡ธ USAOptionalvaries$600 (1099-K)ACHvariesโ€”

Auto-Compliance Features

๐Ÿ”Auto 3D Secure

Zyrix automatically enforces 3D Secure where legally required and intelligently skips it where allowed to reduce friction. Even where 3DS is optional, if risk score > 60 Zyrix enforces it; if risk < 20 and regulation allows, Zyrix skips it for +4% conversion

๐Ÿ’ฐAuto Tax Calculator

Automatically calculates and applies the correct tax per country and per product category. Auto-generates tax invoices (e-fatura for Turkey), reporting by period, exportable for your accountant or tax authority

๐Ÿ‘คAuto KYC/KYB Triggers

Triggers identity verification when a transaction exceeds the local threshold, a new merchant onboards, cumulative volume crosses a reporting threshold, or risk score exceeds 70. Methods: ID scan, business registration, bank ownership, address, biometric

๐ŸŒData Residency

Data stored where the law requires. Zyrix Cloud regions: Istanbul (Turkey, Balkans), Riyadh (GCC), Frankfurt (EU), Virginia (Americas). Data never leaves the required region without consent

๐Ÿ”’PCI DSS Compliance

Zyrix is PCI DSS Level 1 certified. Card data tokenized at entry, AES-256 encryption, annual QSA assessment, quarterly scans, biannual pen-testing, SOC 2 Type II. Merchants inherit our PCI compliance โ€” no SAQ or QSA needed

๐Ÿ“กRegulatory Radar

AI monitors regulatory changes across all 15 countries: scans central bank announcements daily, tracks tax updates, alerts merchants 30 days before new rules take effect, and auto-implements changes where possible

Recent Alerts
๐Ÿ“ขMar 15: Saudi SAMA increased 3DS requirements โ†’ Zyrix auto-updated: zero merchant action needed
๐Ÿ“ขFeb 28: Turkey KDV rate change for digital services โ†’ Zyrix auto-updated tax calculator
๐Ÿ“ขJan 10: UAE new AML reporting thresholds โ†’ Merchants notified, Zyrix reporting updated

Compliance Status Dashboard

Overall:๐ŸŸข Fully Compliant (all countries)
Country3DSTaxKYCDataAMLStatus
๐Ÿ‡ธ๐Ÿ‡ฆ Saudiโœ…โœ…โœ…โœ…โœ…๐ŸŸข
๐Ÿ‡ฆ๐Ÿ‡ช UAEโœ…โœ…โœ…โœ…โœ…๐ŸŸข
๐Ÿ‡น๐Ÿ‡ท Turkeyโœ…โœ…โœ…โœ…โœ…๐ŸŸข
๐Ÿ‡ช๐Ÿ‡ฌ Egyptโœ…โœ…๐ŸŸกโœ…โœ…๐ŸŸก 2 KYC pending
๐Ÿ‡ฐ๐Ÿ‡ผ Kuwaitโœ…โ€”โœ…โœ…โœ…๐ŸŸข
โš ๏ธ Pending Actions
2 Egyptian merchants need KYC documents
๐Ÿ“… Upcoming Changes
Apr 1: Turkey new e-fatura requirements โ€” Zyrix auto-implementing (no action needed)
Zyrix โ€” The Payment Operating System