Compliance for Payment Providers

Q: Can Facctum support real-time payment screening?

Yes. Facctum is designed for real-time screening workflows that allow PSPs to assess transaction risk at the point of payment without relying solely on batch processing.

Q: Is Facctum suitable for high-volume payment environments?

Yes. Facctum supports high-throughput screening workloads and is designed to scale alongside growing transaction volumes and peak traffic periods.

Q: Can we screen against internal risk lists as well as sanctions lists?

Yes. Facctum supports internal watchlists alongside global sanctions, PEP, and adverse media data through a single governed data layer.

Q: Does Facctum reduce false positives?

Facctum applies probabilistic scoring, configurable filters, and data normalisation to help reduce noise and prioritise higher-risk matches without sacrificing regulatory coverage.

Q: Can Facctum integrate into our payment infrastructure?

Yes. Facctum follows an API-first architecture, allowing screening, monitoring, and alerting capabilities to be integrated directly into PSP platforms and payment workflows.

Facctum helps PSPs screen payments, manage risk data, and maintain audit-ready compliance across domestic and cross-border rails.

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Explore Our Compliance Suite

Smart, scalable tools built to strengthen AML, screening, and monitoring across financial institutions.

Customer Screening

Screen customers and counterparties in real time with accurate risk profiling built for fast, compliant onboarding workflows.

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Watchlist Management

Centralise, govern, and enrich sanctions, PEP, and adverse media lists to improve screening accuracy and reduce false positives.

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Payment Screening

Screen payment parties and transaction data against sanctions, PEPs, and watchlists to identify financial crime risk.

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Transaction Monitoring

Continuously monitor transaction streams to identify suspicious behaviour patterns and flag real risks in real time.

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Alert Adjudication

Standardise and accelerate alert investigations with explainable AI scoring that reduces manual effort and false positives.

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Watchlist Management

Centralise, govern, and enrich sanctions, PEP, and adverse media lists to improve screening accuracy and reduce false positives.

Learn More

Customer Screening

Screen customers and counterparties in real time with accurate risk profiling built for fast, compliant onboarding workflows.

Learn More

Payment Screening

Screen payment parties and transaction data against sanctions, PEPs, and watchlists to identify financial crime risk.

Learn More

Transaction Monitoring

Continuously monitor transaction streams to identify suspicious behaviour patterns and flag real risks in real time.

Learn More

Alert Adjudication

Standardise and accelerate alert investigations with explainable AI scoring that reduces manual effort and false positives.

Learn More

Watchlist Management

Centralise, govern, and enrich sanctions, PEP, and adverse media lists to improve screening accuracy and reduce false positives.

Learn More

Customer Screening

Screen customers and counterparties in real time with accurate risk profiling built for fast, compliant onboarding workflows.

Learn More

Payment Screening

Screen payment parties and transaction data against sanctions, PEPs, and watchlists to identify financial crime risk.

Learn More

Transaction Monitoring

Continuously monitor transaction streams to identify suspicious behaviour patterns and flag real risks in real time.

Learn More

Alert Adjudication

Standardise and accelerate alert investigations with explainable AI scoring that reduces manual effort and false positives.

Learn More

Why Compliance Pressure Is Increasing for Payment Service Providers

PSPs operate at the centre of global payment flows and face growing regulatory scrutiny, rising fraud exposure, and increasing transaction volumes. Legacy screening tools struggle to support real-time settlement, cross-border complexity, and evolving AML obligations.

High Transaction Volumes

Large payment throughput creates alert backlogs and operational strain for compliance teams.

Cross-Border Complexity

Multiple jurisdictions introduce overlapping sanctions regimes and regulatory requirements.

Real-Time Payment Pressure

Instant payment rails require screening decisions to be made at the point of transaction without introducing processing delays.

Regulatory Accountability

PSPs must maintain full audit trails and explainable screening decisions to support regulatory review.

How Facctum Helps PSPs Screen Payments in Real Time at Scale

Facctum prepares and governs compliance data so PSPs can screen transactions instantly, reduce false positives, and maintain regulatory readiness across high-volume payment flows.

Ingest Payment and Counterparty Data

Facctum ingests transaction events, sender and beneficiary details, and payment metadata from PSP platforms and payment rails.

Normalise and Structure Records

Incoming data is standardised into consistent formats to support accurate name and entity screening.

Deduplicate and Resolve Entities

Duplicate counterparty records and fragmented identities are consolidated to reduce noise and repeat alerts.

Apply Real-Time Payment Screening

Payments are screened instantly against sanctions, PEP, adverse media, and internal risk lists at the point of transaction.

Score and Filter Results

Probabilistic scoring and configurable filters are applied to prioritise higher-risk matches and reduce false positives.

Generate Review-Ready Alerts

Structured alerts are created with full data context, helping analysts understand why a payment was flagged.

Route and Prioritise Cases

Alerts are triaged and prioritised based on risk level, transaction type, and operational rules to prevent backlogs.

Maintain Audit-Ready Records

All screening decisions, data changes, and adjudication actions are logged to support regulatory review and internal governance.

Why Payment Service Providers Choose Facctum

Facctum is designed to support high-growth fintech environments by improving screening efficiency, reducing manual review load, and maintaining regulatory readiness as volumes scale.

Fast Screening

Facctum delivers real-time screening results in under 80 milliseconds. Whether you’re processing SWIFT, SEPA Instant, or ISO 20022 transactions, payments stay compliant without slowing down. Explore Payment Screening to see how our technology keeps every transaction moving.

Always On, Always Compliant

With 99.9% uptime, Facctum keeps your AML operations running without interruption, even during peak volumes or system changes. Your compliance team can focus on decisions, not downtime. Learn more in Alert Adjudication about how we keep workflows live and audit-ready.

Sanctions Updates Within Minutes

Our platform refreshes regulatory watchlists in under 5 minutes, so you’re always screening against the latest data. No more lag between updates and checks, only timely, accurate alerts. See how FacctList automates sanctions and list management across global jurisdictions.

Scales With You - 5 Million+ Records

Facctum already handles over 5 million watchlist records for banks and neobanks worldwide. From sanctions, PEPs and internal lists, our platform grows as your compliance needs grow. Discover FacctView for seamless customer and counterparty screening at any scale.

Designed for Payment Infrastructure

Facctum integrates into PSP stacks and compliance workflows to support real-time payment screening, monitoring, and alert resolution across high-volume, multi-rail environments.