3-Shepherd provides regulated payment account infrastructure that holds funds securely until transaction milestones are confirmed, protecting both buyers and sellers.
🤝 Trust isn't given.
It's earned, protected and nurtured.
That's the role we play.
Funds held securely until you confirm delivery & authenticity.
Payment guaranteed upon verified delivery and acceptance.
Clear process for transaction disagreements with DFSA oversight.
Simple, transparent payment protection for secure transactions
At 3-Shepherd, we exist to bridge the seller–consumer trust gap in trade. Our platform safeguards transactions by integrating escrow and logistics services to make e-commerce and marketplaces safe, transparent and seamless – from consumer-to-consumer sales to cross-border transactions.
Buyer and seller agree on transaction terms. Buyer deposits funds into a secured 3-Shepherd payment account.
Seller ships goods or delivers service. Buyer tracks real-time logistics and receives proof of delivery.
Buyer inspects goods/services and confirms acceptance in the platform.
Upon confirmed delivery and buyer acceptance, funds are released to the seller's account.
If disputes arise, our compliance team mediates using transaction records and documented evidence.
All parties receive compliance reports and transaction receipts for record-keeping.
Regulated payment protection infrastructure for trusted digital commerce
3-Shepherd is a technology pioneer that’s redefining transaction security. We’re a trusted ally that enables peace of mind and confidence for individuals, SMEs, and corporates exchanging products and services – wherever they do business – so they can focus on growth without worrying about risk.
3-Shepherd exists to eliminate buyer-seller trust gaps in digital commerce. We provide DFSA-regulated payment protection infrastructure that makes high-value transactions safe, transparent, and dispute-free.
Founded in 2023 and based in the DIFC, we operate under a DFSA Innovation Testing Licence for Providing or Operating Payment Accounts (DFSA Firm Reference F009865).
Seller Risk: Shipping goods without payment guarantee; chargebacks and fraud.
Buyer Risk: Paying for goods that never arrive or don't match description.
Our Solution: Payment held securely by a regulated intermediary. Funds only move when both parties meet transaction terms.
Simple, flat-rate charges with no hidden fees
5%
Of transaction value
2.9% + AED 1.50
Stripe card processing passthrough
AED 5,000
One-time onboarding fee for businesses. Includes KYC/KYB verification, account setup, and compliance documentation. No recurring fees.
Competitive vs. traditional alternatives. Our pricing is designed to be lower than traditional escrow services (typically 2-5%) while providing full regulatory oversight.
Join the testing phase of 3-Shepherd's payment protection platform
Business Address
Level 1, DIFC Innovation Hub
Gate Avenue, DIFC
Dubai, UAE
Complaints
Phase 1 Participants: Early adopters participate in regulated testing with up to 10 participants during the first phase. Your feedback shapes the platform.
We'll respond within 2 business days.
Anti-Money Laundering & Counter-Terrorist Financing Compliance
3-Shepherd Tech Limited is committed to preventing money laundering and terrorist financing in accordance with DFSA regulations, UAE Federal Law No. 20 of 2018, Cabinet Decision 74 of 2020, and applicable international standards including AML Rule 9.3 (Electronic fund transfers).
All users undergo identity verification via Shufti Pro, including liveness checks, document verification, and screening against global PEP, sanctions, and adverse media databases. Corporate users must provide trade licences, memorandum of association or board resolutions, and UBO (Ultimate Beneficial Owner) declarations. Enhanced due diligence is applied to high-risk customers, PEPs, and transactions above specified thresholds.
All transactions are monitored for suspicious patterns including unusual volumes, structuring to avoid thresholds, transactions involving sanctioned jurisdictions, and rapid fund cycling. Automated alerts are reviewed by the Compliance Officer within 24 hours.
Where suspicious activity is identified, 3-Shepherd files Suspicious Activity Reports (SARs) with the UAE Financial Intelligence Unit (FIU). Tipping off is strictly prohibited in accordance with UAE law.
All CDD records, transaction records, and compliance documentation are retained for a minimum of 6 years from the date of the transaction or end of the business relationship, whichever is later, as required by DFSA regulations.
3-Shepherd's designated Compliance Officer (DFSA Approved) is responsible for implementing this policy, staff training, and liaison with the DFSA and FIU. AML enquiries: compliance@3-shepherd.com.
You agree not to use 3-Shepherd for transactions involving: (1) Proceeds of crime; (2) Terrorist financing; (3) Sanctions evasion; (4) Bribery or corruption; (5) Regulatory violations. Violations result in account suspension and potential regulatory reporting.
How we handle and resolve customer complaints
If you are dissatisfied with any aspect of 3-Shepherd's services, contact us through:
Email: complaints@3shepherd.ae
Post: Complaints Department, 3-Shepherd Tech Limited, Level 1, DIFC Innovation Hub, Gate Avenue, DIFC, Dubai, UAE
Your full name and account email, the transaction reference (if applicable), a clear description of the issue, the outcome you are seeking, and any supporting evidence.
If your complaint is not resolved to your satisfaction:
Dubai Financial Services Authority (DFSA)
Level 13, The Gate, DIFC, Dubai, UAE
www.dfsa.ae | consumer@dfsa.ae