Compliance Software
Cloud-Based AML Compliance Software for Payment Service Providers (PSPs)
Cloud-Based AML Compliance Software for Payment Service Providers (PSPs)
Cloud-Based AML Compliance Software for Payment Service Providers (PSPs)
Payment Service Providers (PSPs) operate in fast-moving, high-volume environments where AML compliance must balance speed and accuracy. Facctum’s cloud-based AML compliance software enables PSPs to screen transactions, customers, and counterparties in real time while meeting the expectations of global regulators. Built for agility, scalability, and transparency, the platform helps PSPs prevent financial crime risks across global payment networks.
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025.
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025.
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025.
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025.
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025.
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Why PSPs Are Moving to Cloud-Based AML Systems
Why PSPs Are Moving to Cloud-Based AML Systems
Why PSPs Are Moving to Cloud-Based AML Systems
PSPs process millions of payments daily, making efficient, explainable AML controls essential. Cloud-native AML platforms let compliance teams handle real-time payment flows and global list updates with minimal latency. They also enable flexible scaling for new markets, partners, and schemes. As standards evolve under frameworks such as the FATF Recommendations and the EU AML Regulation, cloud delivery ensures PSPs can adapt instantly to policy and list changes while maintaining full auditability.
PSPs process millions of payments daily, making efficient, explainable AML controls essential. Cloud-native AML platforms let compliance teams handle real-time payment flows and global list updates with minimal latency. They also enable flexible scaling for new markets, partners, and schemes. As standards evolve under frameworks such as the FATF Recommendations and the EU AML Regulation, cloud delivery ensures PSPs can adapt instantly to policy and list changes while maintaining full auditability.
PSPs process millions of payments daily, making efficient, explainable AML controls essential. Cloud-native AML platforms let compliance teams handle real-time payment flows and global list updates with minimal latency. They also enable flexible scaling for new markets, partners, and schemes. As standards evolve under frameworks such as the FATF Recommendations and the EU AML Regulation, cloud delivery ensures PSPs can adapt instantly to policy and list changes while maintaining full auditability.
Challenges Facing PSP AML Operations
Challenges Facing PSP AML Operations
Challenges Facing PSP AML Operations
PSPs face constant pressure to detect risk in real time without disrupting payment flows. Legacy or fragmented systems can introduce latency and blind spots that increase operational and regulatory risk.
PSPs face constant pressure to detect risk in real time without disrupting payment flows. Legacy or fragmented systems can introduce latency and blind spots that increase operational and regulatory risk.
PSPs face constant pressure to detect risk in real time without disrupting payment flows. Legacy or fragmented systems can introduce latency and blind spots that increase operational and regulatory risk.
PSPs face constant pressure to detect risk in real time without disrupting payment flows. Legacy or fragmented systems can introduce latency and blind spots that increase operational and regulatory risk.
High Transaction Volumes
Legacy setups often struggle with the processing speed required for instant or same-day payments. Cloud-based AML provides elastic compute capacity so performance remains stable during peak traffic.
High Transaction Volumes
Legacy setups often struggle with the processing speed required for instant or same-day payments. Cloud-based AML provides elastic compute capacity so performance remains stable during peak traffic.
High Transaction Volumes
Legacy setups often struggle with the processing speed required for instant or same-day payments. Cloud-based AML provides elastic compute capacity so performance remains stable during peak traffic.
High Transaction Volumes
Legacy setups often struggle with the processing speed required for instant or same-day payments. Cloud-based AML provides elastic compute capacity so performance remains stable during peak traffic.
Regulatory Complexity
PSPs operate under overlapping frameworks such as the EU AMLR, FCA’s financial crime rules, and FATF standards. Cloud platforms simplify compliance by delivering standardised controls that can be localised per jurisdiction.
Regulatory Complexity
PSPs operate under overlapping frameworks such as the EU AMLR, FCA’s financial crime rules, and FATF standards. Cloud platforms simplify compliance by delivering standardised controls that can be localised per jurisdiction.
Regulatory Complexity
PSPs operate under overlapping frameworks such as the EU AMLR, FCA’s financial crime rules, and FATF standards. Cloud platforms simplify compliance by delivering standardised controls that can be localised per jurisdiction.
Regulatory Complexity
PSPs operate under overlapping frameworks such as the EU AMLR, FCA’s financial crime rules, and FATF standards. Cloud platforms simplify compliance by delivering standardised controls that can be localised per jurisdiction.
Data Fragmentation
Multiple integrations and siloed systems make it hard to achieve a single risk view. Cloud architectures centralise watchlists, customer data, and transaction alerts to maintain consistent oversight.
Data Fragmentation
Multiple integrations and siloed systems make it hard to achieve a single risk view. Cloud architectures centralise watchlists, customer data, and transaction alerts to maintain consistent oversight.
Data Fragmentation
Multiple integrations and siloed systems make it hard to achieve a single risk view. Cloud architectures centralise watchlists, customer data, and transaction alerts to maintain consistent oversight.
Data Fragmentation
Multiple integrations and siloed systems make it hard to achieve a single risk view. Cloud architectures centralise watchlists, customer data, and transaction alerts to maintain consistent oversight.
False Positives
False Positives
False Positives
False Positives
High-speed payment screening can lead to excessive false positives. Cloud solutions integrate explainable AI matching to refine results while preserving sensitivity to real risk.
High-speed payment screening can lead to excessive false positives. Cloud solutions integrate explainable AI matching to refine results while preserving sensitivity to real risk.
High-speed payment screening can lead to excessive false positives. Cloud solutions integrate explainable AI matching to refine results while preserving sensitivity to real risk.
How Facctum Supports Cloud-Based AML for PSPs
How Facctum Supports Cloud-Based AML for PSPs
How Facctum Supports Cloud-Based AML for PSPs
Facctum’s modular, API-first design allows PSPs to deploy AML controls that fit their transaction types and risk profile. The platform integrates watchlist management, customer and payment screening, and alert adjudication into a unified, scalable architecture.
Facctum’s modular, API-first design allows PSPs to deploy AML controls that fit their transaction types and risk profile. The platform integrates watchlist management, customer and payment screening, and alert adjudication into a unified, scalable architecture.
Facctum’s modular, API-first design allows PSPs to deploy AML controls that fit their transaction types and risk profile. The platform integrates watchlist management, customer and payment screening, and alert adjudication into a unified, scalable architecture.
Watchlist Management
Watchlist Management
Watchlist Management
Maintain accurate and continuously updated sanctions and PEP lists across jurisdictions. Automated ingestion and real-time propagation keep screening data current. Explore Watchlist Management.
Maintain accurate and continuously updated sanctions and PEP lists across jurisdictions. Automated ingestion and real-time propagation keep screening data current. Explore Watchlist Management.
Maintain accurate and continuously updated sanctions and PEP lists across jurisdictions. Automated ingestion and real-time propagation keep screening data current. Explore Watchlist Management.
Customer Screening
Customer Screening
Customer Screening
Perform fast, accurate screening of merchants, partners, and customers using context-aware matching. Explainable logic and version control strengthen audit trails. Learn more about Customer Screening.
Perform fast, accurate screening of merchants, partners, and customers using context-aware matching. Explainable logic and version control strengthen audit trails. Learn more about Customer Screening.
Perform fast, accurate screening of merchants, partners, and customers using context-aware matching. Explainable logic and version control strengthen audit trails. Learn more about Customer Screening.
Payment Screening
Payment Screening
Payment Screening
Screen transactions in real time across SEPA, SWIFT, and alternative payment rails. Cloud scalability ensures high throughput with minimal latency. See Payment Screening.
Screen transactions in real time across SEPA, SWIFT, and alternative payment rails. Cloud scalability ensures high throughput with minimal latency. See Payment Screening.
Screen transactions in real time across SEPA, SWIFT, and alternative payment rails. Cloud scalability ensures high throughput with minimal latency. See Payment Screening.
Alert Adjudication
Alert Adjudication
Alert Adjudication
Automate routine dispositions, standardise investigations, and maintain clear reasoning fields for regulators. Consistent workflows and version control enhance transparency. Discover Alert Adjudication.
Automate routine dispositions, standardise investigations, and maintain clear reasoning fields for regulators. Consistent workflows and version control enhance transparency. Discover Alert Adjudication.
Automate routine dispositions, standardise investigations, and maintain clear reasoning fields for regulators. Consistent workflows and version control enhance transparency. Discover Alert Adjudication.
Why PSPs Choose Cloud AML Platforms
Why PSPs Choose Cloud AML Platforms
Why PSPs Choose Cloud AML Platforms
Cloud AML platforms enable PSPs to meet global compliance demands while delivering seamless customer experiences. They ensure oversight and traceability without slowing real-time payment systems.
Cloud AML platforms enable PSPs to meet global compliance demands while delivering seamless customer experiences. They ensure oversight and traceability without slowing real-time payment systems.
Cloud AML platforms enable PSPs to meet global compliance demands while delivering seamless customer experiences. They ensure oversight and traceability without slowing real-time payment systems.
Cloud AML platforms enable PSPs to meet global compliance demands while delivering seamless customer experiences. They ensure oversight and traceability without slowing real-time payment systems.
Speed
Parallel processing and elastic scaling handle surges in payment traffic while keeping screening results instantaneous.
Speed
Parallel processing and elastic scaling handle surges in payment traffic while keeping screening results instantaneous.
Speed
Parallel processing and elastic scaling handle surges in payment traffic while keeping screening results instantaneous.
Speed
Parallel processing and elastic scaling handle surges in payment traffic while keeping screening results instantaneous.
Accuracy
Accuracy
AI-enhanced matching reduces noise and flags true positives faster, improving both compliance accuracy and operational efficiency.
Accuracy
AI-enhanced matching reduces noise and flags true positives faster, improving both compliance accuracy and operational efficiency.
Accuracy
AI-enhanced matching reduces noise and flags true positives faster, improving both compliance accuracy and operational efficiency.
Accuracy
AI-enhanced matching reduces noise and flags true positives faster, improving both compliance accuracy and operational efficiency.
Explainability
Every decision carries reasoning codes, match data, and evidence links that support internal and external audits.
Explainability
Every decision carries reasoning codes, match data, and evidence links that support internal and external audits.
Explainability
Every decision carries reasoning codes, match data, and evidence links that support internal and external audits.
Explainability
Every decision carries reasoning codes, match data, and evidence links that support internal and external audits.
Scalability
Scalability
PSPs can expand into new markets or add new payment partners without rebuilding infrastructure, thanks to modular, cloud-native deployment.
Scalability
PSPs can expand into new markets or add new payment partners without rebuilding infrastructure, thanks to modular, cloud-native deployment.
Scalability
PSPs can expand into new markets or add new payment partners without rebuilding infrastructure, thanks to modular, cloud-native deployment.
Scalability
PSPs can expand into new markets or add new payment partners without rebuilding infrastructure, thanks to modular, cloud-native deployment.
Key Use Cases for PSPs
Key Use Cases for PSPs
Key Use Cases for PSPs
Cloud-based AML systems support critical PSP functions, from real-time risk assessment to end-to-end transparency.
Cloud-based AML systems support critical PSP functions, from real-time risk assessment to end-to-end transparency.
Cloud-based AML systems support critical PSP functions, from real-time risk assessment to end-to-end transparency.
Instant Payment Screening
Instant Payment Screening
Instant Payment Screening
Screen high-speed transactions with low latency to ensure compliance with FATF-aligned standards and prevent prohibited transfers.
Cross-Border Risk Management
Cross-Border Risk Management
Cross-Border Risk Management
Apply unified AML policies across jurisdictions, languages, and currencies, maintaining consistency while supporting localisation.
Dynamic List Updates
Dynamic List Updates
Dynamic List Updates
Synchronise watchlists globally so all systems use the latest sanctions, PEP, and regulatory data, minimising exposure windows.
Automated Alert Handling
Automated Alert Handling
Automated Alert Handling
Deploy automation for low-risk alerts, helping compliance teams focus on complex investigations and regulatory reporting.
Core Capabilities for Cloud AML in PSPs
Core Capabilities for Cloud AML in PSPs
Core Capabilities for Cloud AML in PSPs
Each feature is designed for transparency, scale, and explainability across payment ecosystems.
Each feature is designed for transparency, scale, and explainability across payment ecosystems.
Each feature is designed for transparency, scale, and explainability across payment ecosystems.
Advanced Matching Algorithms
Advanced Matching Algorithms
Advanced Matching Algorithms
Handle transliteration, fuzzy name matches, and multilingual data with context-sensitive accuracy.
Policy and Workflow Control
Policy and Workflow Control
Policy and Workflow Control
Versioned policies and configurable rules allow PSPs to demonstrate governance to auditors and regulators.
Versioned policies and configurable rules allow PSPs to demonstrate governance to auditors and regulators.
Versioned policies and configurable rules allow PSPs to demonstrate governance to auditors and regulators.
Continuous Learning
Continuous Learning
Continuous Learning
Feedback from alert outcomes enhances future detection accuracy and operational performance.
Feedback from alert outcomes enhances future detection accuracy and operational performance.
Feedback from alert outcomes enhances future detection accuracy and operational performance.
Integrated Oversight
Integrated Oversight
Integrated Oversight
Central dashboards track list changes, system updates, and screening metrics in real time.
Central dashboards track list changes, system updates, and screening metrics in real time.
Central dashboards track list changes, system updates, and screening metrics in real time.
Cloud AML FAQs for PSPs
Cloud AML FAQs for PSPs
Cloud AML FAQs for PSPs
Cloud AML FAQs for PSPs
Cloud AML FAQs for PSPs
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
The solution brings together automation, accuracy, and explainability to deliver operational and regulatory confidence.
How does cloud-based AML benefit PSPs?
It enables real-time screening and compliance agility, supporting fast payment processing without compromising accuracy or auditability.
Can cloud AML systems integrate with payment gateways?
Yes. API-first architectures allow seamless integration with payment rails, transaction systems, and partner networks.
Are regulators comfortable with cloud AML platforms?
Yes. Supervisors such as the FCA and EBA recognise that effectiveness, auditability, and governance are key, not deployment type.
How can PSPs reduce false positives?
Using context-aware algorithms and continuous feedback loops helps refine screening logic to distinguish between true and false matches.
How does cloud-based AML benefit PSPs?
It enables real-time screening and compliance agility, supporting fast payment processing without compromising accuracy or auditability.
Can cloud AML systems integrate with payment gateways?
Yes. API-first architectures allow seamless integration with payment rails, transaction systems, and partner networks.
Are regulators comfortable with cloud AML platforms?
Yes. Supervisors such as the FCA and EBA recognise that effectiveness, auditability, and governance are key, not deployment type.
How can PSPs reduce false positives?
Using context-aware algorithms and continuous feedback loops helps refine screening logic to distinguish between true and false matches.
How does cloud-based AML benefit PSPs?
It enables real-time screening and compliance agility, supporting fast payment processing without compromising accuracy or auditability.
Can cloud AML systems integrate with payment gateways?
Yes. API-first architectures allow seamless integration with payment rails, transaction systems, and partner networks.
Are regulators comfortable with cloud AML platforms?
Yes. Supervisors such as the FCA and EBA recognise that effectiveness, auditability, and governance are key, not deployment type.
How can PSPs reduce false positives?
Using context-aware algorithms and continuous feedback loops helps refine screening logic to distinguish between true and false matches.
How does cloud-based AML benefit PSPs?
It enables real-time screening and compliance agility, supporting fast payment processing without compromising accuracy or auditability.
Can cloud AML systems integrate with payment gateways?
Yes. API-first architectures allow seamless integration with payment rails, transaction systems, and partner networks.
Are regulators comfortable with cloud AML platforms?
Yes. Supervisors such as the FCA and EBA recognise that effectiveness, auditability, and governance are key, not deployment type.
How can PSPs reduce false positives?
Using context-aware algorithms and continuous feedback loops helps refine screening logic to distinguish between true and false matches.
How does cloud-based AML benefit PSPs?
It enables real-time screening and compliance agility, supporting fast payment processing without compromising accuracy or auditability.
Can cloud AML systems integrate with payment gateways?
Yes. API-first architectures allow seamless integration with payment rails, transaction systems, and partner networks.
Are regulators comfortable with cloud AML platforms?
Yes. Supervisors such as the FCA and EBA recognise that effectiveness, auditability, and governance are key, not deployment type.
How can PSPs reduce false positives?
Using context-aware algorithms and continuous feedback loops helps refine screening logic to distinguish between true and false matches.
How does cloud-based AML benefit PSPs?
It enables real-time screening and compliance agility, supporting fast payment processing without compromising accuracy or auditability.
Can cloud AML systems integrate with payment gateways?
Yes. API-first architectures allow seamless integration with payment rails, transaction systems, and partner networks.
Are regulators comfortable with cloud AML platforms?
Yes. Supervisors such as the FCA and EBA recognise that effectiveness, auditability, and governance are key, not deployment type.
How can PSPs reduce false positives?
Using context-aware algorithms and continuous feedback loops helps refine screening logic to distinguish between true and false matches.
Ready to Strengthen AML Compliance for Your Payment Service?
Facctum empowers Payment Service Providers (PSPs) with cloud-based AML compliance software that delivers real-time screening, automated monitoring, and regulatory-grade accuracy. Improve efficiency, reduce risk, and stay compliant with evolving global standards.
Request a Demo
Ready to Strengthen AML Compliance for Your Payment Service?
Facctum empowers Payment Service Providers (PSPs) with cloud-based AML compliance software that delivers real-time screening, automated monitoring, and regulatory-grade accuracy. Improve efficiency, reduce risk, and stay compliant with evolving global standards.
Request a Demo
Ready to Strengthen AML Compliance for Your Payment Service?
Facctum empowers Payment Service Providers (PSPs) with cloud-based AML compliance software that delivers real-time screening, automated monitoring, and regulatory-grade accuracy. Improve efficiency, reduce risk, and stay compliant with evolving global standards.
Request a Demo
Ready to Strengthen AML Compliance for Your Payment Service?
Facctum empowers Payment Service Providers (PSPs) with cloud-based AML compliance software that delivers real-time screening, automated monitoring, and regulatory-grade accuracy. Improve efficiency, reduce risk, and stay compliant with evolving global standards.
Request a Demo
Ready to Strengthen AML Compliance for Your Payment Service?
Facctum empowers Payment Service Providers (PSPs) with cloud-based AML compliance software that delivers real-time screening, automated monitoring, and regulatory-grade accuracy. Improve efficiency, reduce risk, and stay compliant with evolving global standards.
Request a Demo
Ready to Strengthen AML Compliance for Your Payment Service?
Facctum empowers Payment Service Providers (PSPs) with cloud-based AML compliance software that delivers real-time screening, automated monitoring, and regulatory-grade accuracy. Improve efficiency, reduce risk, and stay compliant with evolving global standards.
Request a Demo
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
Protect against compliance failings, and transact with confidence.
Book a demo to find out more.
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© Facctum 2025
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© Facctum 2025
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© Facctum 2025
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© Facctum 2025
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© Facctum 2025
Solutions
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© Facctum 2025
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!
Everest Group's Leading 50™ Financial Crime and Compliance (FCC) Technology Providers 2025
Join us at Singapore Fintech Festival 2025 and let’s drive the future of compliance together!