원문에서 자동 번역됨 · 원문 읽기 (English)
최근 새로운 벤처를 위해 몇몇 PSP를 검토하고 있는데, 일반적인 KYC/AML 확인은 예상했지만, 요구되는 부수적인 서류의 엄청난 차이와 표준적인 비즈니스 문의에 대한 내부 처리 시간이 실제 병목 현상이 되고 있습니다. 단순히 초기 데이터 제출뿐만 아니라, 사소한 설명을 위한 주고받는 과정에서 답변을 받는 데 며칠이 걸리기도 합니다. 다른 분들도 이것이 시장 출시 시간에 상당한 지연을 초래한다고 느끼시나요? 일부 제공업체는 기본적인 대량 판매자 외에는 내부 인테이크를 간소화하지 못하여 미묘한 비즈니스 모델에 어려움을 겪는 것 같습니다.
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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