Compliance
Onboarding and due diligence, built in.
ID&V, business verification, screening and risk profiling run inside your onboarding flow — so you meet your obligations without adding friction for good customers, and every decision is evidenced.
Book a callCompliant onboarding is usually the hardest part of launching a finance product — and the easiest to get wrong. Payscape configures and operates it end to end: identity and business verification, sanctions and PEP screening, and risk profiling — all controlled in-house by Payscape, with full audit evidence logged for every decision.
Payscape owns and controls every compliance check on this page. We configure the identity and business verification, the sanctions, PEP and adverse-media screening, the risk scoring and the monitoring thresholds ourselves — and we never outsource compliance or its configuration. The platforms we serve embed the onboarding flow; Payscape operates the compliance decisioning inside it.
Identity verification
Verify individuals in the flow, not in a queue.
Automated document and biometric checks confirm a customer's identity at onboarding, with no manual review queue for the straightforward cases.
Document and biometric checks — identity confirmed automatically at sign-up
No manual queue — straightforward cases clear without human review
Re-verification on event — step up checks when risk signals require it
Evidence retained — the result and underlying data logged for audit
Verification — J. Smith
Document
Liveness
Result
Verified
Logged
09:14
Evidence retained · decision auditable at any time
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Business verification & UBO
Know the entity and who stands behind it.
Verify companies, map ownership and identify ultimate beneficial owners against registry data, so business customers are onboarded to the same standard as individuals.
Entity verification — confirm the company against registry sources
UBO mapping — identify and verify ultimate beneficial owners
Directors and signatories — check the people authorised to act
Structured outcome — the verification result returned and logged per entity
Entity — Acme Ltd
VerifiedRegistry check
UBOs identified
Directors checked
Result: Verified
Outcome and underlying data logged
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Sanctions, PEP & adverse media
Screen at onboarding, then keep watching.
Every customer is screened against sanctions, PEP and adverse-media sources at onboarding and rescreened on an ongoing basis as lists change.
Sanctions screening — checked against current sanctions lists
PEP and adverse media — politically exposed persons and negative news flagged
Ongoing rescreening — customers rechecked as lists are updated
Disposition logged — each match reviewed and the outcome recorded
Screening — live
1 for reviewAcme Ltd
ClearJ. Cooper
ClearExample Trading Ltd
ReviewPEP match — under review
Sanctions, PEP and adverse media · disposition logged per match
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Risk profiling
A risk rating from the first interaction.
Each customer is scored at onboarding so you can apply a risk-based approach — lighter touch for low risk, enhanced due diligence where it's warranted.
Risk scoring — a rating derived at onboarding from the customer's profile
Risk-based approach — controls scale to the assessed risk
Enhanced due diligence — triggered automatically for higher-risk customers
Reviewable — the rating, and the reason for it, available for audit
Risk ratings
Acme Ltd
Sample Property Co
J. Smith
Risk-based controls active · ratings reviewable for audit
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Onboard without friction
Good customers clear automatically; only the cases that need a human reach one.
Risk-based by design
Controls scale to assessed risk, so effort goes where it's warranted.
Evidence per applicant
Every check, screen and decision logged and retrievable for any audit.
Compliance & evidence
Every onboarding capability runs under governed, audit-ready controls.
Payscape operates Control Cloud — our own governed compliance environment. We author, version-control, test and deploy every compliance rule ourselves; the configuration is never outsourced. Every account event, IBAN assignment, transfer and transaction is recorded with its compliance context — screening status, monitoring outcome and the version of the rule Payscape applied — so you can show your working to a regulator, auditor or investor at any point.
Payscape version-controls every rule — every change reviewed, approved and deployed by us
Audit trail per event — not just the transaction but the compliance decision
Safeguarding reconciled daily — client funds matched and confirmed automatically
Reporting out of the box — pre-built statements and extracts in standard formats
Customer monitoring
LiveCustomer
Screening
Risk
Acme Ltd
Clear
Jane Cooper
Clear
Sample Property Co
Review
Example Trading Ltd
Clear
Last refreshed: just now
4 customers · 1 under review
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Access
Two ways to work with Payscape.
Build on the APIs
Embed accounts, IBANs and payments directly into your own product. REST APIs, full sandbox, webhooks for every event — your users stay in your interface throughout.
Read the developer docsOperate from the portal
Run the whole programme from the Control Cloud portal — open accounts, send onboarding links, approve transfers and see consolidated balances across your entire book. No code required.
Request a demoFAQ
Common questions.
Yes. The full flow can run inside your app via the API, or be sent to customers as a hosted onboarding link — your choice per programme.
The entity is verified against registry sources, ultimate beneficial owners are identified and verified, and directors and signatories are checked — then the business is screened like any other customer.
No. Customers are screened at onboarding and rescreened on an ongoing basis as sanctions and PEP lists change.
Every check result, screening outcome and risk rating is logged with its timestamp and the rule version that applied, retrievable per customer.
Open a new revenue line,
built for your industry.
Talk to our team. We'll help you understand what's possible, what it takes to go live, and how to structure a programme that works for your business.