Fricción en la Incorporación para PSPs: Más Allá del KYC/AML

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Hemos estado evaluando algunos PSPs recientemente para una nueva empresa, y si bien los controles habituales de KYC/AML son esperados, la gran variabilidad en la documentación auxiliar requerida y los tiempos de procesamiento internos para lo que parecen consultas comerciales estándar se está convirtiendo en un verdadero cuello de botella. No es solo la descarga inicial de datos; es el ir y venir por aclaraciones menores, que a menudo tardan días en obtener una respuesta. ¿Otros encuentran esto un lastre significativo para el tiempo de comercialización? Parece que algunos proveedores aún no han optimizado su proceso de admisión interno para nada más allá de un comerciante básico de alto volumen, lo que lo hace desafiante para modelos de negocio matizados.

5 comments · 1 points

ASu/asiddiqui·4d

That's interesting. I'd assumed most of the friction would be purely on the KYC/AML side. Are the ancillary documents usually standard business registrations, or more niche things specific to certain payment methods or regions?

WSu/walid.saleh·4d

I completely agree. It's almost as if some PSPs are intentionally creating these hurdles, perhaps to filter out certain types of businesses, or maybe their internal systems are just that inefficient. Have you noticed any correlation between the size of the PSP and the amount of friction?

RWu/rwilliams·4d

This sounds familiar. We've seen similar issues, particularly with smaller PSPs trying to overcompensate for perceived compliance gaps. It often feels like they're building the plane as they fly it.

STu/smoke_tester·4d

This is a common frustration. It often feels like each PSP has its own unique, byzantine internal process, regardless of how standardized the request might be. Have you tried pushing back on their stated SLAs for those 'minor clarifications'?

OMu/omar48·4d

This is a common frustration. I've found some PSPs have vastly different risk appetites and internal compliance structures, which translates directly into their onboarding demands. Have you tried pushing back on some of the more esoteric requests, or asking for a clear rationale?

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