AML & Merchant Onboarding for Payment Processors
Fast merchant onboarding, real-time transaction screening, and continuous risk monitoring for PSPs, acquirers, and payment facilitators. Built to meet PSD2, FCA Payment Institution rules, and FinCEN MSB obligations at scale.
PSP Compliance: Speed vs. Risk
Merchants want to go live fast. Acquirers want to manage chargeback risk. Regulators want every transaction monitored. Manual merchant underwriting and slow transaction screening create the worst of all worlds — slow, expensive, and risky.
Merchant Underwriting Bottleneck
Manual KYB review takes 5-10 days per merchant. Merchants churn to faster competitors before you've even approved them.
Real-Time Transaction Risk
Fraud, chargebacks, sanctions breaches — all need to be caught before settlement. Batch screening from last night's activity is too late.
Merchant Churn at Scale
High-risk merchants slip through underwriting; low-risk merchants churn from slow approval. Neither extreme is profitable.
Merchant Onboarding in Minutes, Monitoring in Milliseconds
Structured merchant KYB, MCC-aware risk scoring, real-time transaction sanctions screening, and continuous monitoring — all on one platform.
Merchant KYB Automation
Corporate registry lookup, UBO identification, director screening, and MCC-specific risk assessment — complete in 10 minutes.
Transaction-Level Screening
Every transaction scored in under 200ms. Sanctions, velocity anomalies, geographic risk — flagged before settlement.
Dynamic Merchant Risk Tiering
Risk scores update based on chargeback rate, refund patterns, and behavioral signals. High-risk merchants escalated automatically.
Chargeback & Fraud Detection
ML-driven detection of card testing, account takeover, and friendly fraud — integrated with your transaction flow.
FinCEN & FCA Reporting
Pre-built templates for MSB SAR filing, FCA merchant monitoring reports, and PSD2 regulatory transaction reporting.
Multi-Currency, Multi-Region
Support for global payment processing — cross-border transactions screened per origin and destination regulatory regime.
Every PSP Regulation Handled
PSD2, FCA PIRs, FinCEN MSB rules, MAS PSA — pre-configured compliance for every major payments regulator.
Every Payments Use Case, Covered
Merchant Acquirers
KYB underwriting, risk tiering, chargeback monitoring, ongoing merchant surveillance with automated re-review triggers.
Payment Facilitators
Sub-merchant onboarding at scale, risk-based tiering, FinCEN MSB compliance, and full audit trail per transaction.
Cross-Border Payments
Sender/receiver KYC, jurisdictional sanctions screening, travel-rule style information exchange for compliant cross-border processing.
FX & Remittance
Remittance-corridor-specific KYC, source-of-funds verification, and transaction monitoring tuned to remittance typologies.
Payment Processor FAQ
Process Payments Compliantly at Scale
See how leading PSPs use One Constellation for merchant onboarding and transaction-level compliance.