{"id":25263,"date":"2022-12-07T06:00:00","date_gmt":"2022-12-07T06:00:00","guid":{"rendered":"https:\/\/www.trulioo.com\/blog\/"},"modified":"2023-11-20T21:46:34","modified_gmt":"2023-11-20T21:46:34","slug":"payments-compliance","status":"publish","type":"post","link":"https:\/\/www.trulioo.com\/blog\/payments\/payments-compliance","title":{"rendered":"Navigating the global landscape of payments compliance"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.trulioo.com\/industries\/payments-identity-verification\/compliance\">Regulatory compliance<\/a> tops the priority list for payment service providers but presents layers of local, regional and international complexity.<\/p>\n\n\n\n<p>Regulations vary among countries and financial institutions and can shift depending on payment method, amount and purpose. <a href=\"\/blog\/payments\/cross-border-payments\">Cross-border payments<\/a> can complicate compliance further with a mixed bag of legal requirements and payment systems.<\/p>\n\n\n\n<p>Regulatory technology can help payment service providers simplify and adapt to markets around the world.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-meet-payment-security-requirements\">Meet payment security requirements<\/h2>\n\n\n\n<p>Payment security that enables legitimate transactions is the driving force behind many regulations. For example, U.S. payment systems are subject to a <a href=\"https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/deposit-accounts-resources\/electronic-fund-transfers\/electronic-fund-transfers-faqs\/\" target=\"_blank\" rel=\"noreferrer noopener\">consumer protection regulation<\/a> as well as numerous others at the federal and state levels.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.pcisecuritystandards.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">PCI Security Standards Council<\/a>, a global forum of payment industry stakeholders, provides data security standards to simplify compliance. The standards are mandatory for any business that stores, processes or transmits payment cardholder data, and they require companies demonstrate robust security measures.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"517\" src=\"https:\/\/www.trulioo.com\/wp-content\/uploads\/2021\/01\/Fraud-prevention-Payment-Card-Industry-Data-Security-Standard-PCI.jpg\" alt=\"Fraud prevention - Payment Card Industry Data Security Standard (PCI)\" class=\"wp-image-17892\" srcset=\"https:\/\/www.trulioo.com\/wp-content\/uploads\/2021\/01\/Fraud-prevention-Payment-Card-Industry-Data-Security-Standard-PCI.jpg 900w, https:\/\/www.trulioo.com\/wp-content\/uploads\/2021\/01\/Fraud-prevention-Payment-Card-Industry-Data-Security-Standard-PCI-740x425.jpg 740w, https:\/\/www.trulioo.com\/wp-content\/uploads\/2021\/01\/Fraud-prevention-Payment-Card-Industry-Data-Security-Standard-PCI-56x32.jpg 56w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<p>The strict PCI requirements prompt many merchants to turn to payment service providers, which take on the majority of security and risk. Still, PCI compliance violations, which can include fines as high as $100,000 or other sanctions, could apply to anyone in the payment chain.<\/p>\n\n\n\n<p>Reputable partners and a security-first approach can help companies stay on the right side of those regulations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ensuring-data-privacy-and-security\">Ensuring data privacy and security<\/h2>\n\n\n\n<p>There\u2019s substantial value in understanding payment trends and behaviors.<\/p>\n\n\n\n<p>Analyzing payment histories and profiles can enable better personalization, targeted offers and improved experiences. But privacy laws around how that information is collected, stored, analyzed, monetized and shared are becoming increasingly common.<\/p>\n\n\n\n<p>The European Union\u2019s <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/HTML\/?uri=CELEX:32016R0679&amp;from=EN\" target=\"_blank\" rel=\"noreferrer noopener\">General Data Protection Regulation<\/a> (GDPR), for instance, changed the rules for how organizations process and move personal data.<\/p>\n\n\n\n<p><strong>GDPR for merchants<\/strong><\/p>\n\n\n\n<p>Data controllers, such as merchants, must implement measures to protect against data breaches. Contracts with data processors must comply with the GDPR regulations and outline the steps for handling data.<\/p>\n\n\n\n<p><strong>GDPR for payments providers<\/strong><\/p>\n\n\n\n<p>Data processors, such as payment service providers, can\u2019t use personal data for any purpose other than that agreed to in the contract with the data controller. The processor also must have reasonable data protection standards, including internal audits and responsibility for its third-party partners.<\/p>\n\n\n\n<p>Since the introduction of GDPR, more data privacy laws have emerged, including the <a href=\"https:\/\/www.trulioo.com\/blog\/compliance\/ccpa-compliance\">California Consumer Privacy Act<\/a> and the <a href=\"https:\/\/www.priv.gc.ca\/en\/privacy-topics\/technology\/mobile-and-digital-devices\/02_05_d_68_dp\/\" target=\"_blank\" rel=\"noreferrer noopener\">Personal Information Protection and Electronic Documents Act<\/a> in Canada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-know-your-customer-and-anti-money-laundering-procedures\">Know Your Customer and Anti-Money Laundering procedures<\/h2>\n\n\n\n<p>Payment service providers often must comply with <a href=\"\/blog\/aml\/aml-requirements-payment-processors\">Anti-Money Laundering<\/a> (AML) laws, including <a href=\"\/blog\/kyc\">Know Your Customer<\/a> (KYC) procedures.<\/p>\n\n\n\n<p>AML and KYC compliance requirements can vary depending on the region, business and transaction. The EU, for example, has specific <a href=\"https:\/\/stripe.com\/en-ca\/guides\/strong-customer-authentication\" target=\"_blank\" rel=\"noreferrer noopener\">Strong Customer Authentication<\/a> (SCA) payment requirements.<\/p>\n\n\n\n<p><strong>Strong Customer Authentication<\/strong><\/p>\n\n\n\n<p>The SCA establishes online payment authentication requirements and is designed to reduce fraud and enhance security. If an online purchase is above threshold limits and not exempt, SCA requires at least two of these three authentication methods:<\/p>\n\n\n\n<ul>\n<li>Something the customer knows, such as a password<br><br><\/li>\n\n\n\n<li>Something the customer has, such as a card or phone<br><br><\/li>\n\n\n\n<li>Something the customer is, such as through biometrics<\/li>\n<\/ul>\n\n\n\n<p><strong>Merchant onboarding<\/strong><\/p>\n\n\n\n<p>A critical part of <a href=\"\/blog\/business-verification\/best-practices-merchant-onboarding\">merchant onboarding<\/a> is ensuring the legitimacy of the business through KYC. The business must exist and be operational, and the account request must be authorized.<\/p>\n\n\n\n<p>Information that can verify a merchant commonly includes company name, registered business or tax identification number, and registered address. Due diligence might also include verifying the business type, sales turnover, bank account details and beneficial ownership.<\/p>\n\n\n\n<p>KYC can go beyond the minimum legal requirements to determining if further due diligence is necessary. <a href=\"\/blog\/payments\/fake-merchants\">Fraud checks<\/a> and individual ID requirements can add transparency to questionable accounts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prepare-for-the-future-of-payments-compliance\">Prepare for the future of payments compliance<\/h2>\n\n\n\n<p>Payments compliance is complex, but it gets more complicated when adding evolving technology, market fragmentation and changing regulations. Payment providers that are ready for those challenges can position themselves for success.<\/p>\n\n\n\n<p>\u201cThe payments providers that adjust their operating models and platforms in a timely way to be both global and local will stand to benefit from the resulting scale and flexibility,\u201d according to a <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/the-chessboard-rearranged-rethinking-the-next-moves-in-global-payments\" target=\"_blank\" rel=\"noreferrer noopener\">2022 McKinsey &amp; Company report<\/a>. \u201cThey will also be well positioned to help customers navigate the growing complexity of the payments and commerce landscape, both cross-border and domestic.\u201d<\/p>\n\n\n\n<p>Compliance today and agility for what might come tomorrow can help payment service providers fight evolving fraud attacks and provide smooth customer experiences.<\/p>\n\n\n<div class=\"not-post \">\n    <div class=\"px-4 bg-green-500 grid lg:grid-cols-3 gap-8 lg:gap-10 pt-4 pb-8 lg:py-10\">\n\t\t\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 480px)\" srcset=\"https:\/\/www.trulioo.com\/wp-content\/uploads\/2022\/10\/IR-PaymentsSweetSpot-Thumbnail.jpg\">\n\t\t\t\t<source media=\"(max-width: 768px)\" srcset=\"https:\/\/www.trulioo.com\/wp-content\/uploads\/2022\/10\/IR-PaymentsSweetSpot-Thumbnail.jpg\">\n\t\t\t\t<source media=\"(max-width: 1024px)\" srcset=\"https:\/\/www.trulioo.com\/wp-content\/uploads\/2022\/10\/IR-PaymentsSweetSpot-Thumbnail.jpg\">\n\t\t\t\t<source media=\"(max-width: 1280px)\" srcset=\"https:\/\/www.trulioo.com\/wp-content\/uploads\/2022\/10\/IR-PaymentsSweetSpot-Thumbnail-300x171.jpg\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.trulioo.com\/wp-content\/uploads\/2022\/10\/IR-PaymentsSweetSpot-Thumbnail.jpg\" width=\"300\" height=\"200\" itemprop=\"image\" alt=\"Payments industry report\" class=\"w-full aspect-video object-cover\">\n\t\t\t<\/picture>\n\t\t\t\t<div class=\"lg:col-span-2 my-auto\">\n\t\t\t<p class=\"p-sm lg:p-xs subheading flex items-center text-green-900 mb-4\">\n\t\t\t\t<span class=\"w-1 h-1 bg-red-500 rounded-full inline-block mr-2\"><\/span>\n\t\t\t\tIndustry Report\t\t\t<\/p>\n\t\t\t<h5 class=\"h5 mb-2 lg:mb-4 text-green-900\" >Get the\u00a0Finding the payments sweet spot between security and speed\u00a0industry report<\/h5>\n\t\t\t<p class=\"p text-green-900 mb-10\">\n\t\t\t\tLearn how to meet customer expectations by optimizing identity verification.\t\t\t<\/p>\n\t\t\t<a href=\"https:\/\/id.trulioo.com\/payments-insights-ave-industry-report.html\"  class=\"inline-block text-center w-full md:w-auto mb-2 btn-text-md border border-green-900 bg-green-900 text-green-500 hover:bg-green-700 hover:border-green-700\"  rel=\"noopener noreferrer\" target=\"_blank\" >Download the industry report<\/a>\t\t<\/div>\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Regulatory compliance tops the priority list for payment service providers but presents layers of local,&#8230;","protected":false},"author":8,"featured_media":25266,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[318,1],"post-types":[],"post-topics":[99,73],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.1 (Yoast SEO v22.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Navigating Payments Compliance<\/title>\n<meta name=\"description\" content=\"Payments compliance can help service providers fight evolving fraud attacks and provide smooth customer experiences.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.trulioo.com\/blog\/payments\/payments-compliance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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