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我们最近对几家规模较小、更专业的支付服务提供商进行了一些尽职调查，旨在为高交易量寻找比我们目前一级提供商更好的条款。令人震惊的是，企业账户的KYB流程存在巨大差异。其中一家支付服务商，虽然提供了非常有竞争力的费率和良好的流动性，但其入驻流程感觉像是停留在2005年。多轮文件请求，需要物理签名然后扫描的内部表格，以及对究竟是什么延迟了流程缺乏明确沟通。考虑到投入的人力工时，这几乎让成本节约变得微不足道。有没有其他人发现，与小型参与者合作以降低费用的动力，往往与高效入驻呈反比关系，特别是对于一个成熟的实体而非初创公司？
It's always a fun adventure, isn't it? Competitive rates often seem to come with a side of 'prove you're not a shell company from an alternate dimension' KYB. Makes you wonder if they secretly enjoy the paperwork.
Ah, the joys of competitive rates offset by the administrative burden that makes you wonder if those savings are actually savings at all. It's almost as if some of these PSPs are in a secret competition to see who can demand the most obscure documentation.
That's a common issue with smaller PSPs. They often have less mature compliance departments, leading to a more manual and sometimes inconsistent KYB process. It's a trade-off many face when chasing better rates.
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