Compliance-first payments for
regulated entities
PayServ is an ISV and software integrator — not a money transmitter, PayFac, or acquirer. We provide the neutral middleware layer that fintechs and regulated financial entities need to connect to PSPs with minimal compliance surface, full audit trails, and documented PCI-DSS SAQ A scope.
Compliance complexity in financial services payments
PSP Certification for Regulated Products
Fintechs and financial services platforms often require PSP certification at the product level, not just company level. Each new payment product, geography, or card scheme may require a separate certification run — with full audit-ready documentation.
Audit Trail Requirements
Regulated entities require immutable audit logs for every payment transaction — request, response, timestamp, and authorization status. Generic PSP dashboards rarely meet the granularity needed for internal audit or regulatory examination.
Data Residency & GDPR
Financial services firms operating in the EU must control where payment data is stored and processed. Not all PSPs offer data residency guarantees, and integrating PSPs that violate data localization requirements creates regulatory exposure.
ISV vs. PayFac Classification
Misclassification as a payment facilitator exposes your platform to money transmitter licensing obligations in every state where your customers transact. PayServ's ISV architecture ensures you remain a software provider, not a payment processor.
How PayServ keeps your compliance surface minimal
Every design decision in PayServ's architecture is made with regulated-entity customers in mind.
ISV Software Integrator Classification
PayServ is a technology provider that routes payment instructions between your application and PSPs. We do not board merchants, settle funds, or hold card data. This classification is documented and available for your compliance team's PSP KYB submissions.
PCI-DSS SAQ A via iFrame Isolation
Card input fields are rendered as iFrames served from the PSP's CDN (e.g., cdn.squareup.com, js.stripe.com). Raw cardholder data never enters your DOM or PayServ's infrastructure — qualifying the entire stack for SAQ A scope.
Credential Security
PSP API keys are stored in PayServ's AES-256 encrypted credential vault with role-based access control. All key access events are logged with timestamp, user, and action — providing a complete key usage audit trail for compliance review.
TLS 1.3 for All Data in Transit
Every API call between your application, PayServ, and connected PSPs is encrypted with TLS 1.3. Older TLS versions are rejected at the connection layer. Certificate pinning is available for high-security fintech environments.
PayServ for financial services use cases
Audit-ready certification automation
Automate the execution of PSP certification test cases and generate an evidence package that satisfies both the PSP's certification team and your internal audit requirements.
Certification AutomationNeutral ISV middleware layer
A single integration point that connects to multiple PSPs without becoming a payment intermediary. Routing, failover, and credential management — all as an ISV software layer, not a PayFac.
Platform OverviewSAQ A compliant checkout
PSP-hosted iFrame checkout eliminates your card data handling obligation entirely. Appropriate for fintechs, neo-banks, and embedded finance platforms that need minimal PCI scope.
Hosted PaymentsBuilt for compliance-first teams
Get a full architecture overview, compliance classification documentation, and a sandbox environment for your compliance team to review — before writing a single line of integration code.