Fintech & payments
Merchant onboarding is where your growth stalls
Meet AML and PSD2 obligations across every market you operate in, while onboarding merchants and customers at the speed your business model depends on.
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The context you operate in
Fintechs and PSPs carry full AML obligations with a fraction of a bank's compliance headcount. EBA guidelines, scheme rules, and the incoming EU AMLR raise the bar on merchant due diligence and ongoing monitoring, while every hour of onboarding delay shows up directly in activation and revenue. Multi-market operations multiply the rulebook: each new license or corridor means another regulator, another reporting standard, another variant of the same process.
From the Process library — pre-built, configurable, live in days:
KYB Onboarding
Automatically surface hidden entities and beneficial owners, even when public data is missing or fragmented across sources.
Monitoring
Build customizable workflows that eliminate manual bottlenecks and keep your pass rates at an all-time high.
Risk
Stop trying to spot every red flag yourself. Instead of digging through messy files, you set up a process that does the digging for you.
Merchant KYB onboarding at scale, from sole traders to layered entities
Continuous KYC across the customer base: event-driven, not calendar-driven
Periodic merchant reviews and re-underwriting
Multi-market expansion: adapting flows per jurisdiction without forking the process
How spektr handles it
Onboarding flows verify and risk-assess merchants automatically, with agents doing registry research, ownership mapping and business activity verification. Monitoring starts with everything onboarding already knows: sanctions, adverse media and data changes trigger the right workflow the moment conditions change. And when a signal needs a human, it arrives ready: a prepared case in one queue, not a raw alert.
Data sources and integrations
Business registries across operating markets, ID&V providers, sanctions/PEP/adverse media screening, card scheme inhibitor lists (e.g. MATCH), and your existing data warehouse and CRM via API.
“We need an infrastructure that can automate the routine work without losing the configurability each jurisdiction demands, whilst meeting increasingly complex regulatory demands.”
