Payment Processors & PSPs
Payment compliance. Uninterrupted.
Payment institutions, e-money issuers, and PSPs face a regulatory perfect storm: DORA mandates ICT resilience, PSD2/PSD3 governs authorization and security, and every transaction must be monitored. Matproof automates the compliance infrastructure so your operations team focuses on processing payments, not preparing audits.
Book a demoKey Compliance Challenges for Payments
PSD2's SCA requirements and DORA's ICT risk framework overlap in authentication and access control but diverge in reporting and governance. Payment institutions must demonstrate compliance with both simultaneously, using different evidence for different supervisors.
Every transaction must be screened for fraud, AML, and sanctions compliance. When an ICT incident affects transaction processing, DORA requires reporting within 4 hours while PSD2 mandates separate fraud reporting. Coordinating both reporting chains manually is error-prone.
Maintaining a payment institution or e-money license requires continuous demonstration of adequate ICT governance, capital adequacy, and operational resilience. License renewals and supervisory reviews demand comprehensive, up-to-date documentation.
PSPs passporting across EU member states must satisfy both home and host supervisor requirements. Each jurisdiction may have additional national requirements on top of DORA and PSD2, creating a patchwork of obligations.
Frameworks That Apply to Payments
Payment institutions face sector-specific regulations layered on top of the EU financial services compliance stack.
Mandatory for payment institutions and e-money institutions. All 5 pillars apply, with particular emphasis on ICT incident reporting and third-party risk for core processing infrastructure.
Payment infrastructure providers are essential entities under NIS2. While DORA takes precedence for ICT matters, NIS2 adds requirements for broader supply chain security.
Expected by banking partners, enterprise merchants, and card scheme acquirers. ISO 27001 certification demonstrates the security foundation required for payment processing.
Required by international merchants and platforms integrating PSP services. SOC 2 Type II proves your security controls operate effectively over time.
How Matproof Helps Payment Companies
Compliance automation designed for always-on payment infrastructure.
Map controls across both PSD2/PSD3 requirements and DORA obligations in one platform. Shared evidence for authentication controls, incident reporting, and ICT governance - no duplicate documentation for overlapping requirements.
When an ICT incident impacts transaction processing, generate both DORA-mandated regulator notifications and PSD2 fraud reports from the same incident record. Meet the 4-hour DORA deadline and PSD2 reporting requirements simultaneously.
Payment infrastructure runs 24/7. Matproof monitors your compliance posture continuously - not quarterly snapshots. Get alerted when controls drift, evidence gaps appear, or SLA documentation needs updating.
Maintain always-current documentation for PSP license renewals and supervisory reviews. Automated evidence collection ensures your ICT governance, risk management, and operational resilience documentation is never stale.
Payments Compliance in Numbers
reduction in audit preparation time
to first framework audit-ready
continuous compliance monitoring
integrations for evidence collection