Payment Compliance for Ecommerce and Marketplaces
Know where you stand, and stay processor-ready. FinCheck maps your payment flows, confirms your licensing or exemption position, and puts in place the AML, sanctions and seller due diligence controls that keep your merchant relationships secure.
What makes e-commerce payments compliance hard
Marketplace Payment Flows Can Trigger Money Transmission
When your platform collects from buyers and pays sellers, you may be acting as a money transmitter. Whether an exemption applies depends on how the flow is structured.
Gift Cards, Wallets and Store Credit Are Regulated
Stored value can bring federal prepaid access rules, state money transmission laws and unclaimed property obligations.
Every Seller Is a Potential Risk
Third-party sellers can bring fraud, prohibited goods and money laundering onto your platform, and processors hold you accountable.
AML and Sanctions Exposure Crosses Borders
Platforms that hold or move funds for global buyers and sellers face sanctions screening and AML expectations they often don't anticipate.
Chargebacks and Fraud Outpace Your Team
Disputes, seller reviews and fraud alerts multiply as you grow, faster than a lean operations team can handle.
Compliance Ownership Is Unclear
Most growing platforms have no dedicated compliance leader, so obligations fall between finance, legal and operations.
High-Risk Merchant Accounts Are Hard to Win and Keep
Processors scrutinize your model, chargeback ratios and controls. Weak documentation leads to declines, reserves or terminations.
Card Networks and Partners Expect Proof
Card network monitoring programs and acquirer reviews require evidence that your fraud, dispute and AML controls work.
Our e-commerce payments compliance services
Payment Flow Assessment
We map how funds move through your platform, from buyer to seller, and identify every point that could trigger regulatory obligations.
Licensing and Exemption Strategy
Clear, practical options: restructure the flow, partner with a licensed provider, rely on an exemption such as agent of payee, or obtain the licenses you need.
Stored Value Program Review
A compliance review of your gift card, wallet and store credit programs against prepaid access, state licensing and unclaimed property rules.
Seller and Merchant Due Diligence
Onboarding, verification and ongoing monitoring standards for third-party sellers, scaled to your risk and volume.
AML and Sanctions Controls
Right-sized AML, sanctions screening and transaction monitoring for platforms that hold or move customer funds.
Processor and Acquirer Readiness
Underwriting packages and control documentation that help you secure merchant accounts and keep them in good standing.
Fraud and Chargeback Operations
Trained analysts handling disputes, seller reviews and fraud alerts, so chargeback ratios stay within card network limits as you grow.
Fractional Compliance Lead
An experienced compliance leader who owns your program day to day and scales it with your business.
How an engagement works
Discovery Call
We learn your product, money flow, markets and deadlines.
Gap Assessment
We map your obligations and show exactly where you stand.
Build and File
We write the program, prepare filings and set up controls.
Run and Review
Ongoing CCO support, monitoring, audits and renewals.
Frequently Asked Questions
Can FinCheck assess whether our marketplace needs a money transmitter license?
Yes. We map how money moves through your platform and give you a written position on licensing, exemptions such as agent of the payee, or restructuring.
How does FinCheck handle seller due diligence?
We set KYB standards for onboarding, a prohibited-products list and ongoing seller monitoring, so bad actors are caught before they cost you your merchant account.
What if our payment processor already handles compliance?
Your processor covers its own obligations, not necessarily yours. We check which obligations still sit with your business and close any gaps.
Can FinCheck help with sanctions screening and fraud vendor selection?
Yes. We help you choose and configure sanctions screening, fraud and chargeback tools that fit your volume and risk.
Do you provide compliance training for our payments and support team?
Yes. We train payments, risk and support staff on red flags, seller risk, sanctions and escalation procedures.
Can FinCheck support us in processor underwriting?
Yes. We prepare the compliance documentation acquirers and processors ask for when you apply for or renew a merchant account.