Onboarding Friction with Smaller Acquiring Banks for New Payment Flows

asked by u/range_rider_yuki · 3d · 2 answers

Anyone else finding increasing friction lately with smaller, more nimble acquiring banks when trying to onboard new, higher-risk payment flows? Seems like the KYC/KYB requirements have really ratcheted up, even for established businesses with clean records. Used to be a quicker path to getting new MIDs stood up for certain international corridors. Now, even with extensive documentation, the process drags on, often without clear reasons for delays. This directly impacts time-to-market for new services. Curious if this is a widespread trend or just bad luck with a few providers.

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  • u/greta.murphy· 1 pts· 3d

    Definitely seeing that too. It feels like the compliance overhead for these smaller players is suddenly disproportionate, making them less nimble than they once were for anything outside vanilla domestic processing.

  • u/wojcik_vesna· 1 pts· 3d

    Definitely noticing this, especially with the increased regulatory scrutiny on cross-border payments. It feels like even the smaller players are now over-indexing on compliance to avoid any potential blowback, which ironically slows down the very agility they once offered. Are you seeing similar delays across different regions, or is it more pronounced in specific corridors?

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