Code of Conduct

Our Commitment

Trust is the foundation of the payments ecosystem.

At OKARDS, we are committed to conducting business ethically, transparently, and responsibly. We believe that long-term success depends on maintaining the confidence of our clients, acquiring partners, payment service providers, employees, and other stakeholders.

This Code of Conduct sets out the principles that guide our decisions, relationships, and day-to-day operations. It applies to all employees, officers, directors, contractors, and representatives of OKARDS.

Integrity and Accountability

Integrity is at the heart of everything we do.

We are expected to act honestly, professionally, and responsibly in all business activities. We communicate openly, honour our commitments, and take accountability for our actions and decisions.

We do not pursue business opportunities through deception, misrepresentation, or conduct that could undermine trust in OKARDS or the wider payments ecosystem.

Compliance and Responsible Business

We are committed to complying with applicable laws, regulations, contractual obligations, and industry standards relevant to our business.

Compliance is a shared responsibility across the organisation. Every individual is expected to understand the requirements relevant to their role and seek guidance when uncertainty exists.

We support responsible business practices relating to sanctions compliance, anti-corruption, privacy, information security, intellectual property, and fair competition.

Responsible Participation in the Payments Ecosystem

As a payment orchestration provider, OKARDS plays an important role within a broader network of merchants, acquiring banks, payment service providers, technology partners, and regulators.

We are committed to maintaining appropriate onboarding standards, supporting sanctions compliance, protecting information, preventing misuse of our platform, and acting as a transparent and reliable partner within the payments ecosystem.

We recognise and respect the distinct responsibilities of acquiring banks, payment service providers, and regulated financial institutions, while striving to contribute positively to the security and integrity of the payment chain.

Fair and Ethical Business Practices

Business decisions must always be made in the best interests of OKARDS and its stakeholders.

We avoid conflicts of interest, maintain a zero-tolerance approach to bribery and corruption, and ensure that gifts, hospitality, or other benefits never influence business decisions or professional judgement.

We compete fairly, communicate honestly, and build business relationships based on trust, professionalism, and the quality of our services.

Protection of Information

Information entrusted to OKARDS is one of our most valuable responsibilities.

We are committed to protecting confidential information, personal data, intellectual property, and security-sensitive information from unauthorised access, misuse, disclosure, alteration, or loss.

Every individual who works with or on behalf of OKARDS shares responsibility for maintaining the confidentiality, integrity, and security of information.

Respect and Speaking Up

We are committed to maintaining a professional, respectful, and inclusive environment where individuals are treated fairly and with dignity.

Employees, contractors, and business partners are encouraged to raise concerns regarding suspected misconduct, legal violations, fraud, corruption, security incidents, or other behaviour inconsistent with this Code.

OKARDS does not tolerate retaliation against individuals who raise concerns in good faith.

Continuous Improvement

Ethics, governance, and compliance are ongoing commitments.

We regularly review our policies, controls, and practices to ensure they remain effective, proportionate, and aligned with evolving legal, regulatory, and industry expectations.

By acting with integrity and maintaining the trust of our clients, partners, and stakeholders, we contribute to a stronger and more resilient payments ecosystem.