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我们最近一直在为一项新业务审查一些 PSP，虽然 KYC/AML 检查是预料之中的，但所需辅助文件的巨大差异以及看似标准业务查询的内部处理时间正成为一个真正的瓶颈。这不仅仅是最初的数据倾倒；而是为了细微的澄清而进行的反复沟通，通常需要几天才能得到回复。其他人是否也觉得这严重拖累了上市时间？感觉有些提供商尚未简化其内部接收流程，除了基本的、大批量的商家之外，这使得复杂的商业模式面临挑战。
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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