KYC/KYB onboarding automation
Verify merchant identity, beneficial-ownership structure, and required documentation automatically, cutting onboarding from days to minutes for standard risk profiles.
Industries
AI systems for payments and fintech
We build production AI for payment processors, card issuers, and fintechs: onboarding, transaction monitoring, and dispute handling systems designed for real-time volume and PSD2/PSD3 reporting obligations.
Where this fits
Payments businesses operate at a volume and speed that manual review cannot match: merchant onboarding queues stall on document checks, transaction monitoring generates more alerts than a compliance team can dispose of, and dispute and chargeback teams re-read the same evidence packets case after case. Growth makes this worse before it makes it better: every new merchant segment or payment corridor adds monitoring rules and edge cases.
We build systems sized for that volume: KYC/KYB onboarding automation that verifies merchant documents and beneficial-ownership structures in minutes rather than days, transaction monitoring that scores risk in real time against your rule set and machine-learned patterns, and dispute triage that assembles the evidence packet before an analyst opens the case. Everything is built for the throughput and latency payments infrastructure requires, with reporting pipelines that keep pace with PSD2/PSD3 and AMLD obligations rather than treating compliance as a separate quarterly project.
Named solutions
What we build for Payments & Fintech
02
Real-time transaction monitoring
Score transaction risk in real time against your existing rules and machine-learned patterns, tuned to your actual fraud and chargeback history rather than generic thresholds.
03
AML alerting & case assembly
Rank AML alerts by evidenced risk and pre-assemble the supporting transaction and entity history, so analysts open a case with context already attached.
04
Dispute & chargeback triage
Assemble the evidence packet, including transaction data, delivery confirmation, and communication history, automatically when a dispute is filed, before an analyst starts working the case.
05
Merchant risk scoring
Score merchant risk on an ongoing basis from transaction patterns and complaint data, flagging portfolio risk before it shows up as a chargeback spike.
06
Reconciliation automation
Match settlement, ledger, and processor data automatically, surfacing genuine breaks instead of requiring a manual line-by-line reconciliation each cycle.
07
Real-time fraud detection
Detect fraud patterns on card-not-present and instant-payment rails using models trained on your own transaction history, built for sub-second scoring latency.
08
PSD2/PSD3 reporting automation
Assemble strong customer authentication exemption reporting and incident disclosures directly from transaction and fraud systems, with full audit lineage.
09
Developer & merchant support copilots
Answer merchant and developer questions against your actual API documentation and integration guides, reducing repeat tickets for support and integration teams.
How we work
Our delivery process
- 01
Discovery & data audit
We map your onboarding, transaction, and case-management systems and the throughput and latency each one requires.
- 02
Compliance-aware integration
We connect to onboarding, ledger, and monitoring systems under your access controls, built for production transaction volume.
- 03
Model build & validation
We build scoring and triage models and validate them against your historical fraud, dispute, and onboarding data.
- 04
Regulated deployment
Systems ship with the latency and audit logging real-time payment rails and PSD2/PSD3 reporting require.
- 05
Monitoring & retraining
We monitor detection and false-positive rates continuously and retrain as fraud patterns and product lines shift.
Compliance
Built for the payments compliance stack
Systems we deploy for payment processors and fintechs are designed around PSD2/PSD3 strong customer authentication and incident-reporting obligations, DORA operational-resilience requirements for regulated payment institutions, AMLD6 transaction-monitoring standards, EU AI Act provisions for AI used in credit and fraud decisions, and GDPR handling of cardholder and merchant data. Every automated score or flag is logged with the inputs it used, and decisions to decline, hold, or escalate remain with your compliance and risk teams.
Frequently asked questions
Can this handle the transaction volume and latency a payments platform needs?
Yes. We design for sub-second scoring on real-time rails and architect for your actual transaction volume, not a batch-processing assumption that would break in production.
How do you avoid false declines that cost us legitimate transactions?
We tune against your own approval and chargeback history and report false-positive rates alongside detection rates, so risk thresholds are a business decision your team makes with real numbers.
Does this cover PSD3 as it phases in alongside PSD2?
We build reporting and authentication logic against current PSD2 requirements and design the data layer to extend cleanly as PSD3 provisions take effect, rather than requiring a rebuild.
Can we run this alongside our existing fraud vendor?
Yes. Many clients run this as an additional scoring layer or a triage system in front of an existing vendor, rather than a full replacement on day one.
Related services
Pair this with
Talk to us about Payments & Fintech
A 30-minute call to scope what a first system would look like against your own data and systems.
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