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最近、新しいベンチャーのためにいくつかのPSPを審査していますが、通常のKYC/AMLチェックは当然として、要求される付帯書類のばらつきや、標準的なビジネス照会と思われるものに対する内部処理時間の長さが、実際のボトルネックになりつつあります。最初のデータ提出だけでなく、些細な確認のためのやり取りも多く、返答を得るのに数日かかることも珍しくありません。これは市場投入までの時間に大きな負担になっていると感じている人は他にもいますか？一部のプロバイダーは、基本的な大量取引のマーチャント以外については、内部の受け入れプロセスをまだ効率化できていないようで、複雑なビジネスモデルにとっては困難です。
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?
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?
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.
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'?
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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