Purpose and Regulatory Commitment

PoaPay LLC ("PoaPay") is committed to protecting customers from fraud, scams, financial exploitation, and unauthorized use of its services. PoaPay maintains fraud prevention controls in compliance with federal law, including the Bank Secrecy Act, USA PATRIOT Act, and FinCEN regulations, as well as state money transmitter regulations.


Consumer Fraud Awareness

Customers should exercise caution when sending funds. Fraud schemes may include lottery scams, advance fee fraud, impersonation scams, romance scams, employment scams, and requests from unknown parties. Once funds are transmitted, recovery may not be possible.


Elder Abuse Prevention

PoaPay recognizes that elderly persons may be vulnerable to financial exploitation. PoaPay monitors transactions and may delay or block suspicious transfers to protect vulnerable individuals.


Fraud Monitoring and Detection

PoaPay utilizes automated and manual fraud monitoring systems to detect suspicious activity. Transactions may be delayed, reviewed, or declined.


Customer Responsibilities

Customers must verify recipient identity before sending funds. PoaPay is not responsible for losses resulting from sending funds to unintended recipients.


Regulatory Reporting

PoaPay reports suspicious activity to FinCEN and law enforcement agencies as required by law.


OFAC Compliance

PoaPay screens transactions against OFAC sanctions lists and blocks prohibited transactions.


Consumer Protection and Regulation E

PoaPay complies with Regulation E, providing investigation and resolution of unauthorized electronic fund transfers.


Fraud Reporting Procedures

Customers who suspect fraud should immediately contact PoaPay at: Phone: 1-205-267-6043 Email: abuse@poapay.com PoaPay will investigate reports and cooperate with law enforcement.


Cooperation with Regulators

PoaPay cooperates fully with FinCEN, state regulators, and law enforcement.


State Regulatory Compliance

PoaPay complies with fraud prevention requirements of Washington, New Jersey, and Alabama regulators.


Consumer Education

PoaPay provides educational materials to help customers avoid fraud and scams.


Liability Limitations

PoaPay is not responsible for authorized transfers sent by customers to fraudulent recipients.


Commitment to Consumer Protection

PoaPay is committed to safeguarding customers and maintaining secure services.


Contact Information

PoaPay LLC
269 West Valley Ave
Homewood, AL 35209
Phone: 1-205-267-6043
Email: abuse@poapay.com