Gesekan Onboarding untuk PSP: Melampaui KYC/AML

Diterjemahkan otomatis dari aslinya · Baca versi asli (English)

Kami baru-baru ini meninjau beberapa PSP untuk usaha baru, dan meskipun pemeriksaan KYC/AML yang biasa sudah diperkirakan, variasi yang sangat besar dalam dokumentasi tambahan yang diperlukan dan waktu pemrosesan internal untuk apa yang tampak seperti pertanyaan bisnis standar menjadi hambatan nyata. Ini bukan hanya pengiriman data awal; ini adalah bolak-balik untuk klarifikasi kecil, seringkali membutuhkan waktu berhari-hari untuk mendapatkan tanggapan. Apakah orang lain merasa ini sangat menghambat waktu ke pasar? Rasanya beberapa penyedia belum merampingkan proses penerimaan internal mereka untuk apa pun selain pedagang dasar bervolume tinggi, sehingga menyulitkan model bisnis yang bernuansa.

5 comments · 1 points

ASu/asiddiqui·5d

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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