Payment Terms
How donations are processed securely through HajiQPay, our faith-aligned payment infrastructure.
Last updated: February 28, 2026
Payment Processing Overview
AmalQ uses HajiQPay, our Islamic-compliant payment infrastructure built on Stripe, to process all donations securely. These Payment Terms explain how payments are processed, what fees apply, and how your financial information is protected. By making or receiving donations through AmalQ, you agree to these terms.
Payment Processor & Infrastructure
All payment processing on AmalQ is handled by HajiQPay, powered by Stripe's industry-leading payment infrastructure.
HajiQPay
HajiQPay is AmalQ's dedicated payment processing layer, designed to handle charitable donations with Islamic compliance built in. It operates on Stripe's certified payment infrastructure.
Stripe Integration
Stripe is a PCI DSS Level 1 certified payment processor. Your payment data is handled directly by Stripe and never touches AmalQ's servers.
PCI Compliance
All payment processing meets Payment Card Industry Data Security Standard (PCI DSS) Level 1 requirements, the highest level of security certification.
Islamic Compliance
Our payment processing is structured to avoid interest (Riba) and ensure all transactions align with Islamic financial principles.
Accepted Payment Methods
AmalQ accepts multiple payment methods to make charitable giving accessible to donors worldwide.
Credit & Debit Cards
Visa, Mastercard, American Express, and Discover cards are accepted. Card details are encrypted and stored securely by Stripe.
Bank Transfers
Direct bank transfers are available in supported regions. Processing times vary by bank and country.
Digital Wallets
Apple Pay, Google Pay, and other compatible digital wallets are supported where available.
Recurring Donations
Set up automatic monthly donations with the ability to modify or cancel at any time from your dashboard.
Fee Structure & Transparency
AmalQ is committed to complete fee transparency. Every fee is disclosed before you confirm your donation.
Platform Fee
AmalQ charges a minimal platform fee to sustain operations, Islamic compliance reviews, and platform development. The exact percentage is shown on the donation page.
Payment Processing Fee
Standard payment processing fees are charged by Stripe. These fees vary by payment method and country, and are disclosed before donation confirmation.
Cover Fees Option
Donors have the option to cover processing fees so that 100% of their intended donation amount reaches the campaign.
No Hidden Fees
There are no hidden fees, surcharges, or additional costs. The total amount charged is always displayed before payment confirmation.
Fee Islamic Review
Our fee structure has been reviewed by Islamic scholars to ensure it does not constitute prohibited interest (Riba) or exploitative pricing.
Currency & International Payments
AmalQ supports international donations with transparent currency handling.
Supported Currencies
Donations can be made in multiple currencies including USD, GBP, EUR, and other currencies supported by Stripe.
Currency Conversion
When donating in a currency different from the campaign's base currency, Stripe handles conversion at competitive market rates.
Exchange Rate Transparency
Exchange rates are determined at the time of transaction processing. AmalQ does not add any markup to exchange rates.
Disbursement Currency
Campaign creators receive funds in their local currency. Any conversion fees are borne by the platform, not the campaign creator.
Payment Security & Fraud Protection
We implement multiple layers of security to protect every transaction on our platform.
End-to-End Encryption
All payment data is encrypted using TLS 1.2+ during transmission. Card details are tokenized by Stripe and never stored on AmalQ servers.
Fraud Detection
Advanced fraud detection systems powered by Stripe Radar analyze every transaction in real time to identify and prevent fraudulent activity.
Two-Factor Authentication
Campaign creators must enable two-factor authentication to receive fund disbursements, adding an extra layer of security.
Transaction Monitoring
All transactions are monitored for suspicious patterns. Unusual activity triggers automatic holds and manual review.
Payment Data Protection
Payment information is stored in Stripe's PCI-compliant vault. AmalQ staff cannot access full card numbers or bank details.
Chargebacks & Disputes
We have a clear process for handling payment disputes and chargebacks.
Donor-Initiated Disputes
If a donor disputes a charge with their bank, AmalQ will investigate the transaction and respond to the dispute with supporting documentation.
Chargeback Impact
Chargebacks may result in temporary holds on campaign disbursements until the dispute is resolved. Campaign creators will be notified immediately.
Dispute Prevention
Clear donation receipts, transparent campaign descriptions, and responsive customer support help prevent chargebacks.
Resolution Process
Most disputes are resolved within 30 to 60 days. AmalQ works directly with Stripe and the donor's bank to reach a fair resolution.
Payout Terms for Campaign Creators
Campaign creators receive their funds through our secure payout system powered by Stripe Connect.
Payout Schedule
Standard payouts are processed on a rolling basis after the applicable holding period. The schedule is displayed in your campaign dashboard.
Payout Methods
Payouts are made to the verified bank account linked to your Stripe Connect account. Alternative payout methods may be available in select regions.
Identity Verification
Stripe Connect requires identity verification before payouts can be processed. This includes government ID, proof of address, and bank account verification.
Minimum Payout
A minimum balance threshold may apply before payouts are triggered. This threshold varies by currency and region.
Questions About Payments?
Our payments team is here to help with any questions about donations, fees, payouts, or payment security. We are committed to transparent and secure payment processing.
legal@amalq.org
We typically respond within 24 hours