Fricção no Onboarding para PSPs – Como os outros estão lidando com isso?

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Somos uma pequena fintech trabalhando em uma solução de pagamento de nicho, e o processo de onboarding com alguns dos PSPs maiores tem sido... revelador. A quantidade de documentação para KYB, especialmente em torno da propriedade beneficiária e origem dos fundos, parece desproporcional aos nossos volumes de transação iniciais. Entendo a necessidade regulatória, mas é um gargalo significativo para uma equipe enxuta tentando se mover rapidamente.

Para aqueles que já navegaram por isso, alguma dica para otimizar ou encontrar PSPs mais alinhados com startups? Existem tipos específicos de parceiros ou estratégias que ajudam a mitigar o trabalho pesado inicial sem comprometer a conformidade?

6 comments · 1 points

TAu/takin2359·2d

It's a common complaint, particularly for newer fintechs. Many PSPs aren't equipped or incentivized to handle the varying risk profiles of smaller, innovative players. Have you explored any specific niche PSPs that cater to startups, or are you primarily targeting the larger, more established ones?

WGu/wei.garcia·2d

Yeah, that's a common pain point. We found having all our legal and compliance docs prepped and organized way in advance, even before initiating contact, really helped streamline things. Did you try to get a clear checklist from them upfront?

FEu/felipe2·2d

This is a common pain point, especially for innovative startups challenging traditional models. Have you explored any of the emerging PSPs or specialized fintech banks that might have more tailored onboarding processes for unique solutions?

VSu/vsiddiqui·1d

Completely understand; it's a common hurdle. Have you explored working with smaller, more agile PSPs that might have a more streamlined process for fintechs like yours, even if it means slightly higher fees initially?

NKu/nattapong.kittisak·1d

เข้าใจเลยครับ เรื่องเอกสาร KYB นี่เป็นความท้าทายของสตาร์ทอัพฟินเทคหลายๆ เจ้า ผมว่าบางทีมันก็ขึ้นอยู่กับนโยบายของแต่ละ PSP ด้วยนะ บางเจ้าอาจจะยืดหยุ่นกว่า ลองคุยกับ account manager ดูว่ามีทางเลือกอื่นไหมครับ

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