Fintech Compliance Software for Payments and PSPs
Fintech KYC and AML at Payment Speed
Qoobiss helps payment service providers, EMIs and fintech apps onboard users and merchants in seconds, screen them against sanctions and PEP lists, and monitor every transaction in real time, with one audit trail across every market you operate in.
Identity verification in seconds
Merchant onboarding with KYB and UBO checks
Real-time transaction monitoring
WHAT IT SOLVES
Payment providers grow fast across markets, and every new market brings its own licensing, AML and reporting rules. Fragmented tools and manual reviews slow onboarding, leave gaps in screening and let fraud through.
Qoobiss puts fintech KYC, merchant KYB, sanctions screening and transaction monitoring in one modular stack. ONTRACE stops account takeover and synthetic identities with biometric and document checks, while risk-based onboarding lets low-risk users through in seconds and sends high-risk cases for review.
ORIGIN, ONTRACE and OMNICHECK work together or on their own, so you can automate KYC and AML workflows and produce audit-ready records without adding friction for your users.
HOW IT WORKS
One compliance lifecycle for consumers and merchants, from sign-up to ongoing monitoring. Every product is modular and plugs into your existing stack.
ORIGIN routes each user or merchant through a flow based on risk, product and country
ONTRACE checks ID documents, face match and liveness; merchants get KYB and UBO verification
OMNICHECK screens against sanctions, PEP and adverse media lists before the relationship starts
Transaction monitoring flags velocity patterns, structuring and chargeback risk in real time
Risk scoring triggers alerts, holds or blocks when a threat is detected
A qualified electronic signature closes merchant agreements with an audit-ready record
FEATURES
USE CASES
SECURITY & Compliance
Stay Audit-Ready Everywhere You Operate
Regulators in every market ask the same question: show us how you decided. Qoobiss records every check, alert and approval so the answer is one export away.
Automated audit trails across every user, merchant and transaction
Structured reporting with real-time dashboards
Configurable policies per country for cross-border operations
One view of every decision, approval and policy change
What does payment compliance mean for fintech and PSPs?
Which regulations typically apply?
Do payment providers need transaction monitoring (KYT)?
How does risk-based onboarding reduce fraud without hurting conversion?
How can we integrate Qoobiss solutions into our existing stack?
Fintech Compliance Software for Payment Providers
Qoobiss is fintech compliance software for payment service providers, e-money institutions, acquirers and fintech apps. It brings fintech KYC, merchant onboarding, AML screening and transaction monitoring into one modular stack, so you can scale into new markets without adding manual reviews. Identity verification completes in seconds instead of the hours or days of manual checks, and every decision is logged for regulators.
Payment Compliance at the Speed of Growth
Fintechs and payment providers launch products and enter new markets faster than most compliance teams can adapt. Each jurisdiction adds its own licensing, AML and reporting rules, and stitching point tools together creates gaps that fraudsters and auditors both find.
Qoobiss replaces that with one customer record per user or merchant. Biometric checks and document authentication stop account takeover and synthetic identities at sign-up, and automated KYC verification keeps onboarding fast without loosening controls.
Stop Fraud Before Onboarding Starts
Risk-based onboarding lets low-risk users complete sign-up in seconds while high-risk profiles get additional checks. OMNICHECK screens every user and merchant against global sanctions, PEP and adverse media lists before the relationship begins, and ONTRACE prevents document fraud and impersonation with biometric verification and document authenticity checks.
Merchant Onboarding with KYB and UBO Checks
For acquirers, PSPs and payment facilitators, merchant onboarding is where most risk enters. ORIGIN runs the full merchant flow: company registry checks, KYB verification, identification of each ultimate beneficial owner and screening of directors. Sub-merchants and higher-risk categories can be routed to extra review automatically, and the merchant agreement is closed with a qualified electronic signature.
Detect Payment Threats in Real Time
Payment fraud moves fast, so detection has to be real-time. Transaction monitoring analyses speed, volume, geography and customer context for every payment, flagging velocity bursts, structuring and patterns linked to chargeback fraud and card cloning. Risk scores combine onboarding identity data with live behaviour, and alerts go to analysts with the evidence attached.
Every case carries investigation-ready evidence: device, geolocation and behaviour signals, recorded in the audit trail as they were collected. See how Qoobiss supports payment fraud prevention across the full lifecycle.
Always-On AML Screening
Screening doesn’t stop after onboarding. OMNICHECK re-screens users and merchants daily, and a new sanctions hit or adverse media mention triggers a workflow immediately: transactions can be held, a case opened and the compliance team alerted. This is how fintech AML stays continuous rather than a one-time check. Learn more about AML screening and the difference between transaction screening and transaction monitoring.
Stay Audit-Ready Everywhere You Operate
Every check, alert and approval is recorded with who did it and when, giving compliance teams a complete trail across users, merchants and transactions.
Traceability: automated audit trails cover every activity and transaction, traceable to any point in the customer journey.
Structured reporting: real-time dashboards and exportable reports for internal reviews and regulator requests.
Policies per country: configure rules by jurisdiction so cross-border operations stay consistent.
Central view of decisions: OVERWATCH records every decision, approval and policy change in one place.
As the EU Anti-Money Laundering Regulation sets one rulebook for payment and e-money institutions from 10 July 2027, that evidence becomes the difference between a routine audit and a remediation plan.
No-Code Workflows for Every Market
ORIGIN is the orchestration layer: design flows, decision points and fallbacks without writing code. Payment providers set different journeys by country, product or risk level, so a high-risk market gets extra verification while low-risk markets stay fast. ONTRACE, OMNICHECK and e-signature plug in as separate steps, and the whole flow integrates with your existing systems through APIs and webhooks. Read more about digital onboarding with Qoobiss.
Who Uses Qoobiss in Payments
Qoobiss covers onboarding, risk and fraud for every type of payment business.
Payment service providers and acquirers: merchant onboarding, KYB and transaction monitoring
E-money institutions: EMI compliance with KYC, screening and ongoing monitoring
Digital wallets and remittance: real-time sanctions screening on cross-border transfers
Payment facilitators: sub-merchant onboarding with automated risk routing
Fintech apps and neobrokers: fast fintech KYC with biometric verification
