Shariah-Native Payment Infrastructure
Built for Regulated Digital Commerce
PayHalal enforces Shariah compliance before money moves — through contract logic, real-time validation, and auditable execution.
Transactions execute only when Shariah-permissible by design — across cards, FPX, wallets, and settlement rails.
Intent → Aqad → Rules → Execution → Audit.
Operate at scale with enforced Shariah logic across all sub-merchants — without manual audits or liability gaps.
Trusted by regulated merchants, platforms, and Islamic financial operators.
If your payment partner can’t explain compliance enforcement as execution — you’re exposed.
View the execution flow →How PayHalal Works
Compliance is enforced in execution — not reviewed after the fact.
Intent Is Declared (Niyyah)
Every transaction begins with declared intent — what is being paid for, by whom, and under which Shariah contract. This removes ambiguity before execution begins.
Contract Logic Is Applied (Aqad)
PayHalal maps the transaction to the appropriate Shariah contract structure (e.g. Wakalah, Ujrah, Murabaha). The contract becomes machine-enforced logic — not documentation.
Shariah Rules Are Validated (Real-Time)
A deterministic Shariah Rule Engine evaluates riba prohibition, gharar thresholds, asset-backing requirements, permissible fee structures, and jurisdiction-specific rulings. Non-compliant transactions do not proceed.
Funds Execute Only If Compliant
Only after validation does PayHalal orchestrate wallet debits & credits, risk reserves (if applicable), and settlement across approved rails. No workaround. No bypass.
Immutable Audit Trail Is Generated
Every step produces an audit-ready record: intent, contract version, rule evaluation, ledger movements, and settlement confirmation. Regulator-ready by default.
Compliance Is Enforced — Not Assumed
Conventional Gateways
- Compliance as policy
- Post-transaction checks
- Manual audits
- Merchant liability
PayHalal
- Compliance as execution logic
- Pre-transaction validation
- Deterministic rule engine
- System-level enforcement
Why It Matters
- Reduced regulatory risk
- Immutable audit trails
- Zero reliance on interpretation
Built for regulated operators — from aggregators to developers
Payment Aggregators (PSA / TPA)
Enforce halal compliance across all sub-merchants — automatically and auditable in real time.
Master Merchants
Standardize compliant execution across outlets, brands, and channels with unified audit trails.
Key Merchant Accounts
Protect your brand with transaction-level Shariah enforcement and regulator-ready reporting.
Islamic Fintechs & Platforms
Embed Shariah compliance as infrastructure — not policy — with APIs built for regulated environments.
Developers
APIs that make non-compliant transactions impossible — deterministic, auditable, and jurisdiction-aware.
Build Once. Execute Lawfully. Scale with Confidence.
Stop selling “claims of compliance”. Ship enforced execution with deterministic rules and audit-ready records.
