Compliance Services for European Payment Institutions
Payment institutions grow fast, and regulatory obligations grow with every transaction processed. ABM Global Compliance supports payment businesses across the EU with PSD2 authorisation, safeguarding arrangements, operational and security compliance, AML frameworks, and regulatory reporting, keeping your institution licensed, trusted, and ready for supervision while your volumes and ambitions scale.
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Obligations That Scale With Volume
Payment institutions operate under PSD2’s full weight: authorisation with detailed programme requirements, safeguarding of customer funds through segregation or insurance, strong customer authentication, operational and security risk management, incident reporting on tight deadlines, and fraud reporting under EBA guidelines. National regulators supervise with rising intensity as the sector’s systemic footprint grows.
The incoming PSD3 and Payment Services Regulation will reshape the framework: tighter safeguarding rules, enhanced fraud provisions, and eventual re-authorisation for existing institutions. Meanwhile AML obligations bite hard on payments business models, where transaction velocity and cross-border corridors attract both criminals and supervisory attention in equal measure at every stage.
How We Support Payment Institutions
Our services cover the payment institution lifecycle: PSD2 authorisation and licence variations, safeguarding design and reviews, operational and security risk frameworks, incident and fraud reporting, AML/CFT compliance calibrated to payments velocity, regulatory reporting, PSD3 readiness, and training for teams at every level.
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Unsure Where to Start?
Book a consultation and our specialists will map the right compliance path forward.
Why Payment Institutions Across Europe Choose ABM
Payments Depth
PSD2, safeguarding, and EBA guideline requirements handled by genuine payments specialists every time.
Safeguarding Precision
Segregation, reconciliation, and methodology frameworks built to regulator examination standard every time.
Future Ready
PSD3 developments tracked and translated into preparation your institution can execute every time.
Ready to Strengthen Your Compliance?
Trusted and Loved by Our Clients Across the Europe
Businesses across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
Trusted Expert Guidance, Just One Message Away
Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
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A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
Payment Institution Questions Answered
What capital does a payment institution need?
Initial capital between EUR 20,000 and 125,000 depending on services provided, with ongoing own funds requirements scaling with payment volume every time.
What are safeguarding requirements for PIs?
Customer funds must be segregated in designated accounts or insurance-protected, reconciled regularly, and identifiable at all times, with methodologies regulators examine closely.
How fast must incidents be reported?
Major operational and security incidents require initial notification within hours under PSD2 frameworks, followed by intermediate and final reports on defined timelines.
Will PSD3 require payment institution re-authorisation?
Current proposals require existing institutions to seek re-authorisation under the new framework within transitional windows, making early preparation genuinely worthwhile every time.
Can payment institution licences passport across Europe?
Yes. Authorisation in one member state passports across the EU through notification procedures we prepare and manage for you at every stage.