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好奇大家最近在商户账户申请方面的经验，特别是每月交易额在中五位数到低六位数的企业。感觉过去一年，入驻和KYB（了解您的业务）的标准发生了很大变化，尤其是一些支付服务提供商（PSP）和收单银行。我们是合法经营，合规记录良好，但对于看似微不足道的文档，反复沟通，延长的审核期，以及超出标准尽职调查范围的信息请求，感觉与风险状况不成比例。
这不仅仅是时间消耗，这在您试图扩大规模时非常重要，而且由于陷入“审核中”的循环，资金被占用或受限于次优处理费率所带来的机会成本。有没有人发现特定的策略，或者，在不点名具体提供商的情况下，哪些类型的机构对于那些尚未达到机构级别但已远超初创阶段的成熟企业来说，流程更简化？我们正在评估现有设置的替代方案，但前期的摩擦是转换的主要障碍。
We've seen similar issues. It seems many providers are just blanket-applying new, stricter risk assessments, regardless of individual business history or sector. It's making what used to be a straightforward process unnecessarily cumbersome.
We've seen the same. It's less about the size and more about the industry these days. Certain SIC codes are just getting flagged automatically, regardless of the actual risk profile.
It's not just you. We've seen similar issues, especially with legacy banks. Have you looked into some of the newer fintech solutions that specialize in that transaction volume? They seem to have more streamlined processes.
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