{"id":7704,"date":"2026-05-22T13:06:29","date_gmt":"2026-05-22T13:06:29","guid":{"rendered":"https:\/\/pago.al\/compliance-policy\/"},"modified":"2026-05-22T14:57:40","modified_gmt":"2026-05-22T14:57:40","slug":"compliance-policy","status":"publish","type":"page","link":"https:\/\/pago.al\/en\/compliance-policy\/","title":{"rendered":"Compliance policy"},"content":{"rendered":"\r\n\r\n\r\n<!-- mobile nav-->\r\n\r\n<div id=\"mySidenav\" class=\"sidenav  d-md-none m-0 p-0\">\r\n\r\n  <div class=\" d-flex flex-column justify-content-between h-100 align-items-center\">\r\n\r\n    <div class=\"container py-3  ps-4 pe-5 d-flex flex-column h-100\">\r\n      <div class=\"d-flex justify-content-between align-items-center\">\r\n\r\n        <a class=\"text-decoration-none navbar-brand nav-link p-0 mx-2\" href=\"https:\/\/pago.al\/en\/\">\r\n          <img decoding=\"async\" src=\"https:\/\/pago.al\/wp-content\/themes\/pago-v1\/assets\/images\/PagoLogo.svg\" class=\"logo-size\" alt=\"\">\r\n        <\/a>\r\n\r\n\r\n\r\n\r\n        <div class=\"d-flex align-items-center\">\r\n          <a href=\"javascript:void(0)\" class=\"closebtn button  m-0 py-0\"><i onclick=\"closeNav()\" class=\"fa-solid fa-xmark fa-lg\"><\/i><\/a>\r\n          <!-- <i onclick=\"closeNav()\" class=\"closebtn fa-solid fa-xmark fa-xl\"><\/i> -->\r\n        <\/div>\r\n      <\/div>\r\n\r\n\r\n\r\n      <div class=\"py-5 px-2\">\r\n        <div class=\"navbar-nav d-none d-md-flex\"><ul class=\"main-nav p-0 m-0\"><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page menu-item-home \" href=\"https:\/\/pago.al\/home\/\">Individ<\/a><div class=\"sub-menu-block w-100 py-4\"><div class=\"container\"><div class=\"row\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/\"><h5 class=\"py-3 sub-menu-head\">Pago Individ<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Llogari<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/llogari-rrjedhese-individ\/\">Llogari Rrjedh\u00ebse<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/llogari-kursimi-individ\/\">Llogari Kursimi<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/karte-debiti-mastercard\/\">Kart\u00eb debiti Mastercard<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Pagesa dhe transferta<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/pagesa-qr\/\">Pagesa me kod QR<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/pagesa-faturash-dhe-abonimesh\/\">Pagesa faturash dhe abonimesh<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/merr-dhe-dergo-para\/\">Merr dhe d\u00ebrgo para<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Paga me Pago<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/paga-me-pago\/\">\u00c7far\u00eb \u00ebsht\u00eb Paga me Pago?<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/rrjeti-i-partnereve-paga-me-pago\/\">Rrjeti i partner\u00ebve<\/a><\/li><\/li><\/ul><\/div><\/div><\/div><\/div><\/li><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page \" href=\"https:\/\/pago.al\/biznes\/\">Biznes<\/a><div class=\"sub-menu-block w-100 py-4\"><div class=\"container\"><div class=\"row\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/\"><h5 class=\"py-3 sub-menu-head\">Pago Biznes<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Llogari<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/llogari-rrjedhese-biznes\/\">Llogari rrjedh\u00ebse<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/karte-debiti-mastercard-biznes\/\">Kart\u00eb debiti Mastercard<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Merr pagesa<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagesa-me-qr-biznes\/\">Pagesa me QR<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagesa-me-karte-pos\/\">Pagesa me kart\u00eb (POS)<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagesa-me-link\/\">Pagesa me link<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/e-commerce\/\">E-commerce<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pago-omnichannel\/\">Pago OmniChannel<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Paguaj<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/faturat-e-fiskalizuara\/\">Faturat e fiskalizuara<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/faturat-utilitare-dhe-abonime\/\">Faturat utilitare dhe abonime<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagat\/\">Pagat<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Paga me Pago<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/behu-pjese-paga-me-pago\/\">B\u00ebhuni pjes\u00eb e rrjetit<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Integrime<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/devpos\/\">devPOS<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/devpms\/\">devPMS<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/woocommerce-devpos\/\">WooCommerce + devPOS<\/a><\/li><\/li><\/ul><\/div><\/div><\/div><\/div><\/li><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page \" href=\"https:\/\/pago.al\/pago-plus\/\">Pago+<\/a><\/li><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page \" href=\"https:\/\/pago.al\/ndihme\/\">Ndihm\u00eb<\/a><\/li><\/ul><\/div><ul class=\"mobile-menu navbar-nav d-flex d-md-none p-0 \"><li class=\"nav-item\"><a class=\"nav-link has-submenu\"  href=\"https:\/\/pago.al\/home\/\" data-submenu=\"submenu_6a1697a6af2a1\"><h6>Individ<i class=\"fas fa-angle-down ms-2\"><\/i><\/h6><\/a><ul id=\"submenu_6a1697a6af2a1\" class=\"dropdown-menu border-0 m-0 pb-3 pt-0  submenu px-3\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/\"><h5 class=\"py-3 sub-menu-head m-0\">Pago Individ<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Llogari<\/h6><li><a href=\"https:\/\/pago.al\/home\/llogari-rrjedhese-individ\/\"  class=\"dropdown-item py-1 px-0\">Llogari Rrjedh\u00ebse<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/llogari-kursimi-individ\/\"  class=\"dropdown-item py-1 px-0\">Llogari Kursimi<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/karte-debiti-mastercard\/\"  class=\"dropdown-item py-1 px-0\">Kart\u00eb debiti Mastercard<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Pagesa dhe transferta<\/h6><li><a href=\"https:\/\/pago.al\/home\/pagesa-qr\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me kod QR<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/pagesa-faturash-dhe-abonimesh\/\"  class=\"dropdown-item py-1 px-0\">Pagesa faturash dhe abonimesh<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/merr-dhe-dergo-para\/\"  class=\"dropdown-item py-1 px-0\">Merr dhe d\u00ebrgo para<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Paga me Pago<\/h6><li><a href=\"https:\/\/pago.al\/home\/paga-me-pago\/\"  class=\"dropdown-item py-1 px-0\">\u00c7far\u00eb \u00ebsht\u00eb Paga me Pago?<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/rrjeti-i-partnereve-paga-me-pago\/\"  class=\"dropdown-item py-1 px-0\">Rrjeti i partner\u00ebve<\/a><\/li><\/ul><\/li><li class=\"nav-item\"><a class=\"nav-link has-submenu\"  href=\"https:\/\/pago.al\/biznes\/\" data-submenu=\"submenu_6a1697a6af2b1\"><h6>Biznes<i class=\"fas fa-angle-down ms-2\"><\/i><\/h6><\/a><ul id=\"submenu_6a1697a6af2b1\" class=\"dropdown-menu border-0 m-0 pb-3 pt-0  submenu px-3\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/\"><h5 class=\"py-3 sub-menu-head m-0\">Pago Biznes<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Llogari<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/llogari-rrjedhese-biznes\/\"  class=\"dropdown-item py-1 px-0\">Llogari rrjedh\u00ebse<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/karte-debiti-mastercard-biznes\/\"  class=\"dropdown-item py-1 px-0\">Kart\u00eb debiti Mastercard<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Merr pagesa<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/pagesa-me-qr-biznes\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me QR<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pagesa-me-karte-pos\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me kart\u00eb (POS)<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pagesa-me-link\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me link<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/e-commerce\/\"  class=\"dropdown-item py-1 px-0\">E-commerce<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pago-omnichannel\/\"  class=\"dropdown-item py-1 px-0\">Pago OmniChannel<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Paguaj<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/faturat-e-fiskalizuara\/\"  class=\"dropdown-item py-1 px-0\">Faturat e fiskalizuara<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/faturat-utilitare-dhe-abonime\/\"  class=\"dropdown-item py-1 px-0\">Faturat utilitare dhe abonime<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pagat\/\"  class=\"dropdown-item py-1 px-0\">Pagat<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Paga me Pago<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/behu-pjese-paga-me-pago\/\"  class=\"dropdown-item py-1 px-0\">B\u00ebhuni pjes\u00eb e rrjetit<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Integrime<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/devpos\/\"  class=\"dropdown-item py-1 px-0\">devPOS<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/devpms\/\"  class=\"dropdown-item py-1 px-0\">devPMS<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/woocommerce-devpos\/\"  class=\"dropdown-item py-1 px-0\">WooCommerce + devPOS<\/a><\/li><\/ul><\/li><li class=\"nav-item\"><a class=\"nav-link \"  href=\"https:\/\/pago.al\/pago-plus\/\" data-submenu=\"submenu_6a1697a6af2c3\"><h6>Pago+<\/h6><\/a><\/li><li class=\"nav-item\"><a class=\"nav-link \"  href=\"https:\/\/pago.al\/ndihme\/\" data-submenu=\"submenu_6a1697a6af2ca\"><h6>Ndihm\u00eb<\/h6><\/a><\/li><\/ul>\r\n      <\/div>\r\n\r\n\r\n\r\n      <div class=\" d-flex w-100 align-items-end  px-2 h-100 py-4\">\r\n\r\n        <div class=\"d-flex flex-column w-100\">\r\n          <form role=\"search\" method=\"get\" id=\"searchform\" class=\"searchform d-flex w-100\" action=\"https:\/\/pago.al\/en\/\">\r\n            <input\r\n              type=\"search\"\r\n              class=\"form-control border-0 rounded-0 border-bottom\"\r\n              placeholder=\"K\u00ebrko\"\r\n              value=\"\"\r\n              name=\"s\"\r\n              title=\"Search\" \/>\r\n            <button type=\"submit\" class=\"btn border-0 rounded-0 bg-white border-bottom p-0\">\r\n              <i class=\"fas fa-search search-icon fa-lg\"><\/i>\r\n            <\/button>\r\n          <\/form>\r\n          <!-- <form role=\"search\" method=\"get\" id=\"searchform\" class=\"searchform d-flex w-100\" action=\"https:\/\/pago.al\/en\/\">\r\n            <span class=\" input-group-text border-0 rounded-0 bg-white border-bottom p-0\" id=\"search-addon\">\r\n              <i class=\"fas fa-search search-icon\"><\/i>\r\n            <\/span>\r\n            <input type=\"search\" class=\"form-control border-0 rounded-0 border-bottom\" placeholder=\"K\u00ebrko\" value=\"\" name=\"s\" title=\"Search\" \/>\r\n          <\/form> -->\r\n          <!-- <a class=\"open_search_panel pe-3 text-decoration-none\" href=\"#\">\r\n            <i class=\"fa-solid fa-magnifying-glass\" ><\/i>\r\n          <\/a> -->\r\n          <div class=\"text-center py-3 wpml\">\n<div role=\"navigation\" aria-label=\"Language Switcher\" class=\"wpml-ls-statics-shortcode_actions wpml-ls wpml-ls-legacy-list-horizontal\">\n\t<ul><li class=\"wpml-ls-slot-shortcode_actions wpml-ls-item wpml-ls-item-sq wpml-ls-first-item wpml-ls-last-item wpml-ls-item-legacy-list-horizontal\">\n\t\t\t\t<a href=\"https:\/\/pago.al\/\" hreflang=\"sq\" lang=\"sq\" class=\"wpml-ls-link\" aria-label=\"Switch to Albanian\" title=\"Switch to Albanian\">\n\t\t\t\t\t                                    <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/pago.al\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/sq.svg\"\n            alt=\"Albanian\"\n            loading=\"lazy\"\n            width=28\n            height=28\n    \/><\/a>\n\t\t\t<\/li><\/ul>\n<\/div>\n<\/div>\r\n        <\/div>\r\n\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n    <\/div>\r\n\r\n\r\n  <\/div>\r\n<\/div>\r\n\r\n\r\n\r\n\r\n\r\n<header class=\" position-absolute  w-100 m-0\" style=\"z-index:9999 !important\" id=\"header-section\">\r\n  <nav id=\"navbar\" class=\"navbar  w-100 navbar-expand-md  position-relative p-0\">\r\n    <div class=\"container p-md-0  py-3 px-4 p-5\">\r\n\r\n      <!-- <button onclick=\"openNav()\" class=\"button  navbar-toggler border-0 bg-transparent d-flex d-md-none\" id=\"navbar-toggler\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#navbarNavAltMarkup\" aria-controls=\"navbarNavAltMarkup\" aria-expanded=\"false\" aria-label=\"Toggle navigation\">\r\n       <i class=\"fa-solid fa-bars\"><\/i>\r\n      <\/button>  -->\r\n\r\n              <a class=\"text-decoration-none navbar-brand nav-link p-0 mx-2\" href=\"https:\/\/pago.al\/en\/\">\r\n          <img decoding=\"async\" src=\"https:\/\/pago.al\/wp-content\/themes\/pago-v1\/assets\/images\/PagoLogo.svg\" class=\"logo-size\" alt=\"\">\r\n        <\/a>\r\n            <!-- button for mobile -->\r\n      <a href=\"javascript:void(0)\" class=\"button  m-0 py-0 d-flex d-md-none nav-link nav-icon\"><i onclick=\"openNav()\" class=\"fa-solid fa-bars fa-2xl\"><\/i><\/a>\r\n\r\n      <div class=\"collapse navbar-collapse ps-5\">\r\n        <div class=\"navbar-nav d-none d-md-flex\"><ul class=\"main-nav p-0 m-0\"><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page menu-item-home \" href=\"https:\/\/pago.al\/home\/\">Individ<\/a><div class=\"sub-menu-block w-100 py-4\"><div class=\"container\"><div class=\"row\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/\"><h5 class=\"py-3 sub-menu-head\">Pago Individ<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Llogari<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/llogari-rrjedhese-individ\/\">Llogari Rrjedh\u00ebse<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/llogari-kursimi-individ\/\">Llogari Kursimi<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/karte-debiti-mastercard\/\">Kart\u00eb debiti Mastercard<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Pagesa dhe transferta<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/pagesa-qr\/\">Pagesa me kod QR<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/pagesa-faturash-dhe-abonimesh\/\">Pagesa faturash dhe abonimesh<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/merr-dhe-dergo-para\/\">Merr dhe d\u00ebrgo para<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Paga me Pago<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/paga-me-pago\/\">\u00c7far\u00eb \u00ebsht\u00eb Paga me Pago?<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/rrjeti-i-partnereve-paga-me-pago\/\">Rrjeti i partner\u00ebve<\/a><\/li><\/li><\/ul><\/div><\/div><\/div><\/div><\/li><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page \" href=\"https:\/\/pago.al\/biznes\/\">Biznes<\/a><div class=\"sub-menu-block w-100 py-4\"><div class=\"container\"><div class=\"row\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/\"><h5 class=\"py-3 sub-menu-head\">Pago Biznes<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Llogari<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/llogari-rrjedhese-biznes\/\">Llogari rrjedh\u00ebse<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/karte-debiti-mastercard-biznes\/\">Kart\u00eb debiti Mastercard<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Merr pagesa<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagesa-me-qr-biznes\/\">Pagesa me QR<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagesa-me-karte-pos\/\">Pagesa me kart\u00eb (POS)<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagesa-me-link\/\">Pagesa me link<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/e-commerce\/\">E-commerce<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pago-omnichannel\/\">Pago OmniChannel<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Paguaj<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/faturat-e-fiskalizuara\/\">Faturat e fiskalizuara<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/faturat-utilitare-dhe-abonime\/\">Faturat utilitare dhe abonime<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/pagat\/\">Pagat<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Paga me Pago<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/behu-pjese-paga-me-pago\/\">B\u00ebhuni pjes\u00eb e rrjetit<\/a><\/li><\/li><\/ul><\/div><div class=\"col-md-2\"><h6 class=\"sub-menu-head \">Integrime<\/h6><ul class=\"sub-menu-lists\"><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/devpos\/\">devPOS<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/devpms\/\">devPMS<\/a><\/li><li class=\"hover_drop_down nav-link px-0\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/woocommerce-devpos\/\">WooCommerce + devPOS<\/a><\/li><\/li><\/ul><\/div><\/div><\/div><\/div><\/li><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page \" href=\"https:\/\/pago.al\/pago-plus\/\">Pago+<\/a><\/li><li class=\"py-4 px-2\"><a class=\"nav-link px-3  menu-item menu-item-type-post_type menu-item-object-page \" href=\"https:\/\/pago.al\/ndihme\/\">Ndihm\u00eb<\/a><\/li><\/ul><\/div><ul class=\"mobile-menu navbar-nav d-flex d-md-none p-0 \"><li class=\"nav-item\"><a class=\"nav-link has-submenu\"  href=\"https:\/\/pago.al\/home\/\" data-submenu=\"submenu_6a1697a6be296\"><h6>Individ<i class=\"fas fa-angle-down ms-2\"><\/i><\/h6><\/a><ul id=\"submenu_6a1697a6be296\" class=\"dropdown-menu border-0 m-0 pb-3 pt-0  submenu px-3\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/home\/\"><h5 class=\"py-3 sub-menu-head m-0\">Pago Individ<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Llogari<\/h6><li><a href=\"https:\/\/pago.al\/home\/llogari-rrjedhese-individ\/\"  class=\"dropdown-item py-1 px-0\">Llogari Rrjedh\u00ebse<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/llogari-kursimi-individ\/\"  class=\"dropdown-item py-1 px-0\">Llogari Kursimi<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/karte-debiti-mastercard\/\"  class=\"dropdown-item py-1 px-0\">Kart\u00eb debiti Mastercard<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Pagesa dhe transferta<\/h6><li><a href=\"https:\/\/pago.al\/home\/pagesa-qr\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me kod QR<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/pagesa-faturash-dhe-abonimesh\/\"  class=\"dropdown-item py-1 px-0\">Pagesa faturash dhe abonimesh<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/merr-dhe-dergo-para\/\"  class=\"dropdown-item py-1 px-0\">Merr dhe d\u00ebrgo para<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Paga me Pago<\/h6><li><a href=\"https:\/\/pago.al\/home\/paga-me-pago\/\"  class=\"dropdown-item py-1 px-0\">\u00c7far\u00eb \u00ebsht\u00eb Paga me Pago?<\/a><\/li><li><a href=\"https:\/\/pago.al\/home\/rrjeti-i-partnereve-paga-me-pago\/\"  class=\"dropdown-item py-1 px-0\">Rrjeti i partner\u00ebve<\/a><\/li><\/ul><\/li><li class=\"nav-item\"><a class=\"nav-link has-submenu\"  href=\"https:\/\/pago.al\/biznes\/\" data-submenu=\"submenu_6a1697a6be2a3\"><h6>Biznes<i class=\"fas fa-angle-down ms-2\"><\/i><\/h6><\/a><ul id=\"submenu_6a1697a6be2a3\" class=\"dropdown-menu border-0 m-0 pb-3 pt-0  submenu px-3\"><div class=\"col-12\"><a class=\"nav-link p-0\" href=\"https:\/\/pago.al\/biznes\/\"><h5 class=\"py-3 sub-menu-head m-0\">Pago Biznes<i class=\"fa-solid fa-arrow-right ms-2\"><\/i><\/h5><\/a><\/div><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Llogari<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/llogari-rrjedhese-biznes\/\"  class=\"dropdown-item py-1 px-0\">Llogari rrjedh\u00ebse<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/karte-debiti-mastercard-biznes\/\"  class=\"dropdown-item py-1 px-0\">Kart\u00eb debiti Mastercard<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Merr pagesa<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/pagesa-me-qr-biznes\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me QR<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pagesa-me-karte-pos\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me kart\u00eb (POS)<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pagesa-me-link\/\"  class=\"dropdown-item py-1 px-0\">Pagesa me link<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/e-commerce\/\"  class=\"dropdown-item py-1 px-0\">E-commerce<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pago-omnichannel\/\"  class=\"dropdown-item py-1 px-0\">Pago OmniChannel<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Paguaj<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/faturat-e-fiskalizuara\/\"  class=\"dropdown-item py-1 px-0\">Faturat e fiskalizuara<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/faturat-utilitare-dhe-abonime\/\"  class=\"dropdown-item py-1 px-0\">Faturat utilitare dhe abonime<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/pagat\/\"  class=\"dropdown-item py-1 px-0\">Pagat<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Paga me Pago<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/behu-pjese-paga-me-pago\/\"  class=\"dropdown-item py-1 px-0\">B\u00ebhuni pjes\u00eb e rrjetit<\/a><\/li><h6 class=\"sub-menu-head pt-3 pb-2 m-0\">Integrime<\/h6><li><a href=\"https:\/\/pago.al\/biznes\/devpos\/\"  class=\"dropdown-item py-1 px-0\">devPOS<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/devpms\/\"  class=\"dropdown-item py-1 px-0\">devPMS<\/a><\/li><li><a href=\"https:\/\/pago.al\/biznes\/woocommerce-devpos\/\"  class=\"dropdown-item py-1 px-0\">WooCommerce + devPOS<\/a><\/li><\/ul><\/li><li class=\"nav-item\"><a class=\"nav-link \"  href=\"https:\/\/pago.al\/pago-plus\/\" data-submenu=\"submenu_6a1697a6be2b1\"><h6>Pago+<\/h6><\/a><\/li><li class=\"nav-item\"><a class=\"nav-link \"  href=\"https:\/\/pago.al\/ndihme\/\" data-submenu=\"submenu_6a1697a6be2cb\"><h6>Ndihm\u00eb<\/h6><\/a><\/li><\/ul>      <\/div>\r\n      <div class=\" d-md-flex justify-content-end  d-none align-items-center\">\r\n        <a class=\"open_search_panel text-decoration-none\" href=\"#\">\r\n          <i class=\"fa-solid fa-magnifying-glass fa-lg\"><\/i>\r\n        <\/a>\r\n        <div class=\"text-center py-3 wpml\">\r\n          \n<div role=\"navigation\" aria-label=\"Language Switcher\" class=\"wpml-ls-statics-shortcode_actions wpml-ls wpml-ls-legacy-list-horizontal\">\n\t<ul><li class=\"wpml-ls-slot-shortcode_actions wpml-ls-item wpml-ls-item-sq wpml-ls-first-item wpml-ls-last-item wpml-ls-item-legacy-list-horizontal\">\n\t\t\t\t<a href=\"https:\/\/pago.al\/\" hreflang=\"sq\" lang=\"sq\" class=\"wpml-ls-link\" aria-label=\"Switch to Albanian\" title=\"Switch to Albanian\">\n\t\t\t\t\t                                    <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/pago.al\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/sq.svg\"\n            alt=\"Albanian\"\n            loading=\"lazy\"\n            width=28\n            height=28\n    \/><\/a>\n\t\t\t<\/li><\/ul>\n<\/div>\n        <\/div>\r\n        <!-- <div class=\"p-0 m-0 wpml\">\n<div role=\"navigation\" aria-label=\"Language Switcher\" class=\"wpml-ls-statics-shortcode_actions wpml-ls wpml-ls-legacy-list-horizontal\">\n\t<ul><li class=\"wpml-ls-slot-shortcode_actions wpml-ls-item wpml-ls-item-sq wpml-ls-first-item wpml-ls-last-item wpml-ls-item-legacy-list-horizontal\">\n\t\t\t\t<a href=\"https:\/\/pago.al\/\" hreflang=\"sq\" lang=\"sq\" class=\"wpml-ls-link\" aria-label=\"Switch to Albanian\" title=\"Switch to Albanian\">\n\t\t\t\t\t                                    <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/pago.al\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/sq.svg\"\n            alt=\"Albanian\"\n            loading=\"lazy\"\n            width=28\n            height=28\n    \/><\/a>\n\t\t\t<\/li><\/ul>\n<\/div>\n<\/div>  -->\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/nav>\r\n<\/header>\r\n<nav class=\"search-panel d-none d-md-flex m-0\" id=\"search_box\">\r\n  <div class=\"container\">\r\n    <div class=\"close_search_panel d-flex justify-content-end align-items-center pt-5 \">\r\n      <a href=\"#\" class=\" d-inline-flex justify-content-center align-items-center position-relative mx-2 rounded-circle text-decoration-none\" title=\"Close\"><\/a>\r\n    <\/div>\r\n    <div class=\"side-panel-content py-md-4 mb-md-5\">\r\n      <div class=\"row justify-content-md-center\">\r\n        <div class=\"col-lg-10\">\r\n          <div class=\"goya-search\">\r\n            <form role=\"search\" method=\"get\" id=\"searchform\" class=\"searchform d-flex w-100\" action=\"https:\/\/pago.al\/en\/\">\r\n              <!-- <span class=\" input-group-text border-0 rounded-0 bg-white  p-0\" id=\"search-addon\">\r\n                <i class=\"fas fa-search fa-lg\"><\/i>\r\n              <\/span> -->\r\n              <button type=\"submit\" class=\"btn border-0 rounded-0 bg-white border-bottom p-0\">\r\n                <i class=\"fas fa-search search-icon fa-lg\"><\/i>\r\n              <\/button>\r\n              <input type=\"search\" class=\"form-control border-0 rounded-0 border-bottom  py-3 \" placeholder=\"K\u00ebrko...\" value=\"\" name=\"s\" title=\"Search\" \/>\r\n            <\/form>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/nav>\r\n\r\n<style>\r\n  .close_search_panel a:after {\r\n    color: ;\r\n  }\r\n\r\n  .input::placeholder {\r\n    font-family: 'Aeonik Pro' !important;\r\n  }\r\n\r\n  .search-panel .form-control:focus {\r\n    box-shadow: unset !important;\r\n  }\r\n\r\n  .goya-search i {\r\n    color: #4a4fa0;\r\n  }\r\n\r\n  .goya-search input {\r\n    border-bottom: 1px solid #4a4fa0 !important;\r\n  }\r\n\r\n\r\n\r\n\r\n\r\n\r\n  .sidenav {\r\n    height: 100%;\r\n    width: 100%;\r\n    position: fixed;\r\n    z-index: 999999;\r\n    top: 0;\r\n    left: 0;\r\n    background-color: white;\r\n    overflow-x: hidden;\r\n    padding-top: 60px;\r\n    transition: 0.5s;\r\n    display: none;\r\n  }\r\n\r\n\r\n  .input::placeholder {\r\n    font-family: 'Aeonik Pro' !important;\r\n  }\r\n\r\n\r\n  .open_search_panel i {\r\n    color: #4A4FA0;\r\n  }\r\n\r\n  .search-icon {\r\n    color: #4A4FA0;\r\n  }\r\n\r\n  .background-dark .open_search_panel i {\r\n    color: white;\r\n  }\r\n\r\n  .background-dark .wpml span {\r\n    color: white !important;\r\n  }\r\n\r\n\r\n  .wpml span {\r\n    color: #4A4FA0;\r\n  }\r\n\r\n\r\n\r\n  \/* Position and style the close button (top right corner) *\/\r\n  .sidenav .closebtn {\r\n    position: absolute;\r\n\r\n    font-size: 36px;\r\n  }\r\n\r\n  .hover_drop_down {\r\n    font-size: 14px !important;\r\n  }\r\n\r\n  \/* The navigation menu links *\/\r\n  .sidenav a.closebtn {\r\n    text-decoration: none;\r\n    font-size: 25px;\r\n    color: #4A4FA0 !important;\r\n    display: block;\r\n    transition: 0.3s\r\n  }\r\n\r\n  .nav-icon i {\r\n    color: #4A4FA0 !important;\r\n  }\r\n\r\n  .background-dark .nav-icon i {\r\n    color: white !important;\r\n  }\r\n\r\n\r\n\r\n\r\n  .logo-size {\r\n    width: 120px !important;\r\n  }\r\n\r\n  #header-section {\r\n    position: absolute;\r\n    transition: all 0.1s ease-in-out;\r\n  }\r\n\r\n  #header-section.fixed {\r\n    position: fixed !important;\r\n    top: 0\r\n  }\r\n\r\n  \/* Navigation Styles *\/\r\n  ul.main-nav>li {\r\n    display: inline-block;\r\n    font-size: 18px !important;\r\n  }\r\n\r\n  a.nav-link:focus {\r\n    outline: none !important;\r\n  }\r\n\r\n  \/* top-level nav links *\/\r\n  ul.main-nav>li>a.nav-link {\r\n    color: #4A4FA0;\r\n  }\r\n\r\n  .background-dark ul.main-nav>li>a.nav-link {\r\n    color: white !important;\r\n  }\r\n\r\n  ul.main-nav>li>a.nav-link.active {\r\n    color: #4A4FA0 !important;\r\n  }\r\n\r\n  .background-dark ul.main-nav>li>a.nav-link.active {\r\n    color: white !important;\r\n  }\r\n\r\n  .background-dark ul.sub-menu-lists li a {\r\n    color: white !important;\r\n  }\r\n\r\n\r\n  .background-dark .sub-menu-head {\r\n    color: white;\r\n  }\r\n\r\n\r\n  .sub-menu-head {\r\n    color: #4a4fa0;\r\n  }\r\n\r\n\r\n  \/* Submenu *\/\r\n  ul.main-nav>li ul.sub-menu-lists {\r\n    margin: auto 0;\r\n    padding: 1px 0;\r\n    list-style-type: none;\r\n    display: block;\r\n  }\r\n\r\n\r\n  ul.main-nav>li>a.nav-link.active {\r\n\r\n    font-weight: 500;\r\n  }\r\n\r\n  .form-control:focus {\r\n    box-shadow: unset !important;\r\n  }\r\n\r\n  ul.main-nav>li>a.nav-link {\r\n    border-radius: 16px;\r\n    transition: background-color 0.3s ease, color 0.3s ease;\r\n  }\r\n\r\n  ul.main-nav>li:hover>a.nav-link {\r\n    background-color: #4a4fa0;\r\n    color: #E1E2FC !important;\r\n  }\r\n\r\n\r\n  .sub-menu-lists .nav-link {\r\n    color: #53556D;\r\n  }\r\n\r\n\r\n  .background-dark .blurEfect {\r\n    background: rgba(33, 37, 41, 0.5);\r\n    backdrop-filter: blur(10px);\r\n  }\r\n\r\n  .blurEfect {\r\n    background: rgba(255, 255, 255, 0.5);\r\n    backdrop-filter: blur(10px);\r\n  }\r\n\r\n\r\n  \/* Mega Menu *\/\r\n  @media only screen and (min-width: 769px) {\r\n\r\n    \/* Sub Menu *\/\r\n    ul.main-nav>li>div.sub-menu-block {\r\n      visibility: hidden;\r\n      background-color: #fff;\r\n      position: absolute;\r\n      top: 100%;\r\n      \/* Start the mega-menu below the header *\/\r\n      left: 0;\r\n      width: 100%;\r\n      \/* Make the mega-menu span the full width of the header *\/\r\n      opacity: 0;\r\n      transition: all 0.4s ease;\r\n      transform: rotateX(90deg);\r\n      transform-origin: top center;\r\n      box-shadow: 0px 4px 8px rgba(0, 0, 0, 0.1);\r\n    }\r\n\r\n\r\n    ul.main-nav>li>div.sub-menu-block {\r\n      background-color: #fff;\r\n    }\r\n\r\n    .background-dark .main-nav>li>div.sub-menu-block {\r\n      background-color: #001121;\r\n      box-shadow: 0px 4px 8px -4px rgba(255, 255, 255, 0.2);\r\n    }\r\n\r\n\r\n    ul.main-nav>li:hover>div.sub-menu-block {\r\n      visibility: visible;\r\n      opacity: 1;\r\n      transform: rotateX(0deg);\r\n    }\r\n\r\n\r\n    #navbar:has(li:hover>div.sub-menu-block) {\r\n      background: white;\r\n      color: #4A4FA0 !important;\r\n    }\r\n\r\n\r\n    .background-dark #navbar:has(li:hover>div.sub-menu-block) {\r\n      background: #001121;\r\n      color: #4A4FA0 !important;\r\n    }\r\n\r\n\r\n\r\n\r\n\r\n    ul.main-nav>li>div.sub-menu-block>* {\r\n      transition-property: opacity;\r\n      transition-duration: 0.4s;\r\n      opacity: 0;\r\n    }\r\n\r\n    ul.main-nav>li:hover>div.sub-menu-block>* {\r\n      opacity: 1;\r\n    }\r\n\r\n    ul.main-nav>li>a:after {\r\n      content: '';\r\n      width: 1px;\r\n      height: 60px;\r\n      position: absolute;\r\n      right: 0;\r\n      top: 0;\r\n      z-index: 2;\r\n    }\r\n  }\r\n\r\n  \/* a,\r\n  a:active,\r\n  a:visited,\r\n  a:link {\r\n    color: black;\r\n    text-decoration: none;\r\n  }\r\n\r\n  a:hover {\r\n    color: black;\r\n  } *\/\r\n\r\n\r\n\r\n\r\n\r\n  \/**** Search bar for lg CSS ****\/\r\n\r\n\r\n  \/* remove blue bacground from search input*\/\r\n  input:-webkit-autofill,\r\n  input:-webkit-autofill:hover,\r\n  input:-webkit-autofill:focus,\r\n  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has-text-align-center has-xx-large-font-size\"><strong>COMPLIANCE POLICY of Rubicon sh.a., which operates the \u201cPago\u201d digital platform.<\/strong><\/h2>\n<\/div>\n\n\n\n<p class=\"has-large-font-size wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>I. Introductory provisions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) Rubicon sh.a. ( <strong>the \u201cCompany\u201d<\/strong> or <strong>\u201cRubicon\u201d<\/strong> ), which fully owns the digital platform <strong>\u201cPago\u201d<\/strong> , is licensed by the Bank of Albania with license no. 52, dated 21.01.2022, as an Electronic Money Institution (Non-Bank Financial Institution). The Company ensures statutory and regulatory compliance with the requirements of the legislation in force for payment services and electronic money, as well as the identification and management of compliance risks in accordance with domestic regulatory requirements and international standards. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b) Compliance risk is the potential legal risk, the risk of supervisory or other official sanctions, significant financial losses or reputational damage due to non-compliance with legislation or other non-legislative standards and internal rules applicable to the Company in relation to its activity in the field of payment services and electronic money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">c) The Compliance Policy is harmonized with the relevant legal framework, including but not limited to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Law No. 55\/2020 \u201cOn Payment Services\u201d;<\/li>\n\n\n\n<li>Law No. 9917\/2008 \u201cOn the Prevention of Money Laundering and Financing of Terrorism\u201d, as amended;<\/li>\n\n\n\n<li>Instruction No. 1, dated 21.01.2025 of the Minister of Finance \u201cOn the methods and procedures for implementation by entities involved in financial activities\u201d;<\/li>\n\n\n\n<li>Law No. 124\/2024 \u201cOn the Protection of Personal Data\u201d and the General Data Protection Regulation (GDPR);<\/li>\n\n\n\n<li>Law on Electronic Identification and Trust Services;<\/li>\n\n\n\n<li>Law No. 9258\/2004 \u201cOn measures against the financing of terrorism\u201d;<\/li>\n\n\n\n<li>Bank of Albania regulations and instructions for electronic money institutions;<\/li>\n\n\n\n<li>UN, EU, OFAC (US) and HM Treasury (UK) sanctions lists.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-large-font-size wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>II. General provisions <\/strong><\/p>\n\n\n\n<p class=\"has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-54e2d119491b045e5c86033cc2a32eac wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>II.1. Purpose of the Policy <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The activity of the compliance function covers Rubicon sh.a. as a whole, including all its organizational units and activities in the field of electronic money issuance, execution of payment transactions, opening and administration of electronic money accounts, issuance of debit cards, POS and e-commerce services, as well as any other auxiliary services provided through the \u201cPago\u201d platform. Persons who carry out external activities or are engaged as experts, advisors, agents or service providers on behalf of the Company, whether natural or legal persons, must also meet compliance requirements and standards.  <\/p>\n\n\n\n<p class=\"has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-add3347f84909083d231292d01c507e9 wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>II.2. Position of the compatibility function <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) In accordance with the instructions of the Bank of Albania (BoA) and the recommendations of international financial regulators, Rubicon establishes and maintains internal lines of protection and security to promote:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>prudent, reliable and efficient operations in accordance with legal and regulatory requirements;<\/li>\n\n\n\n<li>protecting assets, client funds and the interests of shareholders, customers and business partners;<\/li>\n\n\n\n<li>sustainable business operation and maintaining trust in electronic payment services offered through &#8220;Pago&#8221;.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b) Internal lines of defense include responsible internal governance and internal control functions of the second and third lines of defense, which complement the controls integrated into business processes (first line of defense).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">c) Internal control functions include the risk management function, the compliance function and the internal audit function. The Compliance function at Rubicon is carried out by the Compliance Officer, who reports directly to the Company&#8217;s governing bodies. <\/p>\n\n\n\n<p class=\"has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-e5462177aa2f0edf83aa9cfdcc0452c7 wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>II.3. Principles guiding the compliance function <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a. The compliance function at Rubicon is carried out with the aim of creating a legal and ethical corporate culture, which guarantees the prudent and ethical operation of the Company in the long term. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b. In performing its compliance function, Rubicon operates in accordance with the following principles: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>independence;<\/li>\n\n\n\n<li>integrity;<\/li>\n\n\n\n<li>acting without interference;<\/li>\n\n\n\n<li>objectivity;<\/li>\n\n\n\n<li>proactive and preventive approach;<\/li>\n\n\n\n<li>risk-oriented approach (requirement to ensure compliance based on risk);<\/li>\n\n\n\n<li>proportionality;<\/li>\n\n\n\n<li>high level of care and professional competence;<\/li>\n\n\n\n<li>full coverage of the activity;<\/li>\n\n\n\n<li>efficiency and rationalization of compliance costs.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-large-font-size wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>III. Detailed provisions <\/strong><\/p>\n\n\n\n<p class=\"has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-8090e6a9a803448f2bead95f541f4b51 wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>III.1. Main compliance activities <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.1. Processing and protection of personal data (GDPR) <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) Rubicon is committed to the proper protection of personal data processed by it, in accordance with the provisions of Law No. 124\/2024 &#8220;On the Protection of Personal Data&#8221;, the General Data Protection Regulation (GDPR) and the by-laws in force.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b) As an Electronic Money Institution that processes sensitive financial and identification data of customers through the \u201cPago\u201d platform, the Company has established, operates and implements a system for regulation, enforcement and auditing that provides for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>protection of customers&#8217; personal data, including identification, contact, transaction and payment behavior data, biometric records (voice, image), as well as data from the remote Know Your Customer (KYC) process;<\/li>\n\n\n\n<li>implementing the principle of \u201cprivacy by design and by default\u201d in the development of products and services;<\/li>\n\n\n\n<li>transparently informing customers about the processing of their data and the rights they are entitled to by law;<\/li>\n\n\n\n<li>cooperation with the Commissioner for the Right to Information and Personal Data Protection.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">c) Customer data may be transferred to third countries that meet an adequate level of protection (including the USA, the UK and Belgium) for the purposes of providing Mastercard\/Visa debit cards and mandatory FATCA reporting to the IRS (US tax authority).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.2. Integrity <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) Rubicon develops and establishes rules on conflict of interest and ethics, with the requirement that all directors, employees and control bodies take decisive action against any violation of these rules.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b) Rubicon has a business interest and legal obligation to ensure that the personal interests of its employees and members of its governing bodies do not conflict with the business interests and commitments of the Company and \u201cPago\u201d clients. Rubicon identifies, prevents and manages conflicts of interest in relation to its activities, as well as regulates and ensures the assessment of the compliance of providers and business partners (prior check). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">c) Rubicon shall develop a Conflict of Interest Policy to specify the circumstances related to its activity in the field of payment services and which lead or may lead to a conflict of interest with negative consequences for customers or business partners. The policy shall also set out detailed rules and procedural measures for the prevention, identification and management of conflict of interest situations. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">d) With the aim of protecting its values \u200b\u200band clients, Rubicon formulates requirements for ethical business operations and develops internal ethical and professional standards, which are summarized and published in the Code of Ethics and the Partner Code of Conduct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">e) Rubicon is committed to combating corruption and has declared zero tolerance towards all forms of bribery, improper gifts and unfair benefits. The purpose of the Anti-Corruption Policy is to define the principles of the Company&#8217;s anti-corruption activity, to identify areas particularly exposed to the risk of corruption and to serve as a basic document for the activity of the relevant staff. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">f) Rubicon offers a dedicated reporting channel (whistleblowing line) for confidential reporting of violations of ethical standards, legal provisions and compliance rules.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.3. Fair treatment of customers and consumer protection <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) Rubicon is committed to protecting and respecting the interests of consumers, in accordance with Law No. 9902\/2008 \u201cOn Consumer Protection\u201d and Law No. 55\/2020 \u201cOn Payment Services\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b)In this context, Rubicon follows the following principles:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>transparent and understandable information before contracting (tariffs, conditions, execution deadlines, consumer rights), reflected in the Terms of Service and the Fees and Commissions section;<\/li>\n\n\n\n<li>providing services appropriate to the needs and profile of the client;<\/li>\n\n\n\n<li>fair, equal and non-discriminatory treatment;<\/li>\n\n\n\n<li>efficient handling of complaints through Customer Service at +355 4 562 0560 and the dedicated email address, within the deadlines set by the BoA;<\/li>\n\n\n\n<li>information on the client&#8217;s right to address the Bank of Albania or alternative dispute resolution mechanisms.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.4. Security of transactions and protection of customer funds <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As an Electronic Money Institution, Rubicon ensures the protection of \u201cPago\u201d customer funds through:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>segregation of client funds from the Company&#8217;s own funds in dedicated accounts in second-tier banks licensed in the Republic of Albania;<\/li>\n\n\n\n<li>implementing Strong Customer Authentication (SCA) measures for electronic transactions, including security elements: PIN code, SMS OTP, Mobile Token and biometric identification;<\/li>\n\n\n\n<li>real-time monitoring of transactions to identify fraud and suspicious activity;<\/li>\n\n\n\n<li>implementing daily, monthly and annual transaction limits for individual and business accounts, according to the Terms of Service;<\/li>\n\n\n\n<li>immediate blocking of the account in case of suspected compromise of credentials or security elements;<\/li>\n\n\n\n<li>implementation of cybersecurity standards in accordance with BoA guidelines and international best practices (PCI DSS, ISO 27001).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.5. Prevention of money laundering and terrorist financing (AML\/CFT) <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) Rubicon&#8217;s activities against money laundering and terrorist financing aim to effectively prevent the use of the services of the \u201cPago\u201d platform for the laundering of assets of criminal origin and the financing of terrorism.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b) Rubicon develops internal policies, establishes and maintains effective processes and procedures in accordance with Law No. 9917\/2008 \u201cOn the Prevention of Money Laundering and Financing of Terrorism\u201d (as amended), Instruction No. 1, dated 21.01.2025 of the Minister of Finance, the requirements of the Financial Intelligence Agency (AIF), as well as the international standards of the FATF and the MONEYVAL Committee of the Council of Europe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">c) Client identification is carried out through secure electronic identification, in accordance with the requirements of the law &#8220;On electronic identification and trusted services&#8221;, using the remote &#8220;Know Your Customer&#8221; (KYC) procedure, which includes verification of the identification document and biometric verification with a camera and microphone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">d) To identify, analyze, assess and manage AML\/CFT risks, Rubicon prepares an institution-wide Risk Assessment, which is reviewed at least annually or whenever material changes occur in the activities, clientele, products or regulatory framework.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">e) Rubicon classifies customers into risk categories (low, medium, high) and implements appropriate Customer Due Diligence (CDD) measures according to the risk category, including enhanced due diligence (EDD) for high-risk customers, Politically Exposed Persons (PEPs) and high-risk jurisdictions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">f) For business customers, vigilance includes the identification of Beneficial Owners as defined by law, including any person who directly or indirectly owns at least 25% of the shares or votes of the legal entity, or who exercises effective control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">g) During the customer due diligence process, the \u201cKnow Your Customer\u201d (KYC) principle is applied to develop a profile for the customer, monitor transaction activity and identify suspicious actions that do not match his profile. Any suspicious transaction is reported to the Financial Intelligence Agency (FIA) in accordance with the law. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">h) Rubicon implements transaction limits and identification thresholds in accordance with the Terms of Service, BoA regulations and AML\/CFT legislation. Any action exceeding the limits requires additional documentation to justify the funds or purpose of use before being authorized. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">i) All Rubicon employees, especially those performing customer due diligence, transaction monitoring and reporting, receive periodic and documented training on AML\/CFT obligations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.6. Compliance with international sanctions <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) In establishing and maintaining its relationships and making business decisions, Rubicon takes into account economic, financial and trade sanctions and embargo requirements adopted by international organizations and states, in particular by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>United Nations (UN) Security Council;<\/li>\n\n\n\n<li>European Union;<\/li>\n\n\n\n<li>Office of Foreign Assets Control (OFAC) of the US Department of the Treasury;<\/li>\n\n\n\n<li>HM Treasury \/ Office of Financial Sanctions Implementation (OFSI) of the United Kingdom.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">b) Rubicon implements an International Sanctions Policy with general principles of sanctions enforcement, which includes screening of customers, beneficial owners, partners and transactions against sanctions lists, both prior to entering into a relationship and on an ongoing basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">c) Following the objectives of its business policy, Rubicon avoids transactions and relationships with sanctioned natural or legal persons, as well as transactions with destination or origin from comprehensively sanctioned jurisdictions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.7. Responsible Governance and Sustainability (ESG) <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) In accordance with sustainability criteria (Environmental, Social and Governance \u2013 ESG), Rubicon evaluates its activity from the perspective of environmental impact, social justice and issues related to corporate governance, ensuring compliance with applicable legislative requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b) In the spirit of responsible corporate governance, Rubicon follows internationally recognized standards and transparently discloses information about its governance and operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">c) In developing its products through the \u201cPago\u201d platform and providing access to electronic payment services, Rubicon applies the principles of ethics and consumer protection, ensuring that the services provided are modern, secure, comprehensive and fair to customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.1.8. Compliance with international tax agreements <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a) Rubicon has a fundamental interest and legal obligation to ensure compliance with customer identification and reporting requirements under international tax treaties, including FATCA (Foreign Account Tax Compliance Act) for US citizens and tax residents and the OECD CRS (Common Reporting Standard), in accordance with the obligations of the Republic of Albania.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">b) Individual clients who are US citizens, as well as businesses headquartered in the US, must complete the relevant forms made available to them by Rubicon during the KYC procedure. The data is reported once a year to the US Internal Revenue Service (IRS). <\/p>\n\n\n\n<p class=\"has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-4e33d06de3a4d1863f42049ec9a026a1 wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>III.2. General principles and requirements <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.2.1. Responsibility for compliance <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As defined in the applicable legal regulations and internal provisions, all Rubicon employees assume overall responsibility for the implementation of compliance requirements and rules. All employees are obliged to: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>implement compliance requirements in their daily activities;<\/li>\n\n\n\n<li>to report any circumstances that pose a threat to their implementation;<\/li>\n\n\n\n<li>to participate in the elimination of such circumstances;<\/li>\n\n\n\n<li>attend mandatory compliance training.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.2.2. Use of agents, consultants and external experts <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To ensure the enforceability of the standards set forth in this Policy, all persons acting as agents, Pay-as-you-go partners, experts or external consultants on behalf of or on behalf of Rubicon are required to declare that they have read and understood the Compliance Policy and agree to comply with its requirements. Rubicon performs due diligence on these persons prior to entering into the relationship and monitors their activity on an ongoing basis. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>III.2.3. Cooperation with authorities <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rubicon cooperates fully and in good faith with the Bank of Albania in its capacity as supervisory authority, with the Financial Intelligence Agency (AIF), with the Commissioner for the Right to Information and Personal Data Protection, with central and local tax authorities, with authorities in charge of investigations and judicial processes, with bailiffs for the execution of judicial decisions, as well as with other competent authorities, ensuring access to information, documentation and assistance according to legal requirements.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-large-font-size wp-block-paragraph\" style=\"text-transform:uppercase\"><strong>IV. Approval and review <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This Compliance Policy is approved by the governing bodies of Rubicon sh.a. and is reviewed at least once a year, or whenever material changes occur in the legal framework, organizational structure, products and services offered through the \u201cPago\u201d platform, or in the Company&#8217;s risk profile. <\/li>\n\n\n\n<li>Any Rubicon employee, agent or partner has the right to contact the Compliance Officer for clarifications, reports or questions regarding the implementation of this Policy.<\/li>\n\n\n\n<li>Customers and third parties can contact Rubicon through Customer Service channels at +355 4 562 0560 (Monday \u2013 Friday, 09:00 \u2013 17:00) or at the official address: Rr. \u201cDonika Kastrioti\u201d, Pall. Teknoprojekt, 6th Floor, Tirana 1005, Albania.  <\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-top-color:var(--wp--preset--color--primary);border-top-width:1px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"has-text-align-center has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-24e4405fa78adca2a60a368b8dd72d3c wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><strong>Rubicon JSC<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-small-font-size wp-block-paragraph\"><em>Electronic Money Institution licensed by the Bank of Albania<\/em><br\/> <em>License No. 52, dated 21.01.2022 \u2022 NUIS: M02129014T<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group sticky-bottom has-secondary-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-bottom:0px\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60)\">\n<figure class=\"wp-block-image size-full is-resized d-flex d-md-none py-3\"><img decoding=\"async\" src=\"https:\/\/pago.al\/wp-content\/uploads\/2025\/01\/PagoLogo.svg\" alt=\"\" class=\"wp-image-4392\" style=\"width:150px;height:auto\"\/><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-794e3cfa wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading has-text-align-left has-large-font-size\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">For Individuals<\/h4>\n\n\n<nav class=\"has-text-color has-primary-color items-justified-left is-vertical footer-navigation wp-block-navigation is-content-justification-left is-layout-flex wp-container-core-navigation-is-layout-17afdbf1 wp-block-navigation-is-layout-flex\" aria-label=\"Navigation\"><ul class=\"wp-block-navigation__container has-text-color has-primary-color items-justified-left is-vertical footer-navigation wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/pago-individual\/paga-me-pago\/\"><span class=\"wp-block-navigation-item__label\">Paga me Pago<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/pago-individual\/pago-mastercard\/\"><span class=\"wp-block-navigation-item__label\">Mastercard debit<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/pago-individual\/pay-bills-and-subscriptions\/\"><span class=\"wp-block-navigation-item__label\">Payment of bills and subscriptions<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/pago-individual\/receive-and-send-money\/\"><span class=\"wp-block-navigation-item__label\">Receive and send money<\/span><\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading has-text-align-left has-large-font-size\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">For Businesses<\/h4>\n\n\n<nav class=\"has-text-color has-primary-color items-justified-left is-vertical footer-navigation wp-block-navigation is-content-justification-left is-layout-flex wp-container-core-navigation-is-layout-17afdbf1 wp-block-navigation-is-layout-flex\" aria-label=\"Navigation 2\"><ul class=\"wp-block-navigation__container has-text-color has-primary-color items-justified-left is-vertical footer-navigation wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/business\/qr-payments\/\"><span class=\"wp-block-navigation-item__label\">QR Payments<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/business\/card-payments\/\"><span class=\"wp-block-navigation-item__label\">Card payment<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/business\/pay-by-link\/\"><span class=\"wp-block-navigation-item__label\">Payment by link<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/business\/e-commerce\/\"><span class=\"wp-block-navigation-item__label\">E-commerce<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/pago.al\/en\/business\/become-part-of-the-network\/\"><span class=\"wp-block-navigation-item__label\">Paga me Pago<\/span><\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading has-text-align-left has-large-font-size\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">About Us<\/h4>\n\n\n<nav class=\"has-text-color has-primary-color items-justified-left is-vertical footer-navigation wp-block-navigation is-content-justification-left is-layout-flex wp-container-core-navigation-is-layout-17afdbf1 wp-block-navigation-is-layout-flex\" aria-label=\"Navigation 3\"><ul class=\"wp-block-navigation__container has-text-color has-primary-color items-justified-left is-vertical footer-navigation wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/rbcn.al\" target=\"_blank\" rel=\"noopener\"><span class=\"wp-block-navigation-item__label\">Rubicon<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/pago.al\/en\/kushtet-e-punes\/\"><span class=\"wp-block-navigation-item__label\">Terms &amp; Conditions<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/pago.al\/en\/fees-and-commissions\/\"><span class=\"wp-block-navigation-item__label\">Fees and Commissions<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/pago.al\/en\/privacy-policy\/\"><span class=\"wp-block-navigation-item__label\">Privacy Policy<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/pago.al\/en\/safety-tips\/\"><span class=\"wp-block-navigation-item__label\">Safety Tips<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/pago.al\/en\/contact\/\"><span class=\"wp-block-navigation-item__label\">Contact<\/span><\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading has-text-align-left has-large-font-size\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">Download now<\/h4>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-left is-layout-flex wp-container-core-group-is-layout-035dc2ac wp-block-group-is-layout-flex\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-bottom:0px\">\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/apps.apple.com\/al\/app\/pago-al\/id1557219800\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/02\/appstore.svg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=al.rbcn.pago&amp;hl=en\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/02\/googleplay.svg\" alt=\"\" style=\"object-fit:cover\"\/><\/a><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-794e3cfa wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center d-none d-md-block is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large is-resized d-md-flex d-none py-3\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/01\/PagoLogo.svg\" alt=\"\" style=\"width:150px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column d-none d-md-block is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column d-none d-md-block is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/www.linkedin.com\/company\/rubicon-al\/\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/02\/linkedin.svg\" alt=\"\" style=\"width:45px\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/www.instagram.com\/pago.al\/\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/02\/insta.svg\" alt=\"\" style=\"width:45px\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/www.facebook.com\/app.pago.al\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/02\/fb.svg\" alt=\"\" style=\"width:45px;height:auto\"\/><\/a><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-style-section-5 has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-top-color:var(--wp--preset--color--primary);border-top-width:1px;padding-top:var(--wp--preset--spacing--40);padding-bottom:0\">\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-50d86688 wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-bottom:0\">\n<p class=\"has-text-align-center wp-block-paragraph\">Pago is registered in Albania as a trademark of <a href=\"https:\/\/pago.al\/#\">Rubicon Sh.a.<\/a><\/p>\n<\/div>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">We are licensed (No. 52, dated 22.01.2022) by the Supervisory Council of the Bank of Albania as an electronic money financial institution.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u00a9 All rights reserved Rubicon 2025<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>COMPLIANCE POLICY of Rubicon sh.a., which operates the \u201cPago\u201d digital platform. I. Introductory provisions a) Rubicon sh.a. ( the \u201cCompany\u201d or \u201cRubicon\u201d ), which fully owns the digital platform \u201cPago\u201d , is licensed by the Bank of Albania with license no. 52, dated 21.01.2022, as an Electronic Money Institution (Non-Bank Financial Institution). The Company ensures [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7704","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/pages\/7704","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/comments?post=7704"}],"version-history":[{"count":1,"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/pages\/7704\/revisions"}],"predecessor-version":[{"id":7705,"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/pages\/7704\/revisions\/7705"}],"wp:attachment":[{"href":"https:\/\/pago.al\/en\/wp-json\/wp\/v2\/media?parent=7704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}