Payments & mobile wallets: Identity solutions for regulated industries
Support secure onboarding, authentication and transaction approval for payments and wallets.
Signicat helps regulated payment providers, fintechs and wallet providers meet PSD2, prepare for PSD3 and support compliance with AMLR requirements.
Global payments companies trust Signicat.
Secure & compliant onboarding for the payments sector
Achieve high onboarding success rates, reduce fraud risk and support compliance with PSD2 and AML regulations.
Strong onboarding flows are critical for regulated payment services and wallets. Signicat helps payment providers verify users, reduce onboarding friction and support KYC and AML obligations across European markets.
Build onboarding journeys using trusted identity verification, national eIDs, upcoming EUDI wallets, biometric verification and reusable identity data.
Authentication for secure payment journeys
Recognise returning users and approve high-value transactions with secure authentication.
Payment providers must balance security, compliance and user experience across account access, transaction approval and wallet usage.
MobileID from Signicat supports Strong Customer Authentication (SCA) requirements under PSD2 while helping organisations prepare for PSD3/PSR and emerging EUDI Wallet-related requirements.
Invest in technology from Signicat to align compliance and customer trust.
Fraud prevention and AML compliance
Strengthen fraud prevention and support AML compliance across onboarding and transaction flows.
Orchestrate and automate identity, KYC, KYB and risk processes for payments and digital wallets.
Use RiskFlow to collect and verify risk-related information, perform risk scoring and support AML and fraud controls tailored to your risk policies.
Design onboarding and verification journeys in Signicat Mint using configurable workflows for regulated financial services.
Digital signatures for regulated payment workflows
Digital signatures boost security, speed up workflows, ensure compliance, and elevate the efficiency and user experience of payment and wallet transactions.
Under PSD2/PSR and AMLR, maintaining a clear, legally valid audit trail of consent and identity verification is a compliance requirement — not just a best practice. Signicat's Digital Evidence Management gives you that record, automatically.
Choose between a self-service signing portal, integrated signatures into your business processes, evidence who did what and when.
Signicat has the perfect solution for you.
Increased conversion rate for major global payment card provider
Signicat helped one of the big, international payment card providers increase their conversion rate by automating cross-border onboarding.
Challenge
The company needed to automate the onboarding of customers from 6 different European countries while being fully compliant with local and international banking regulations.
Solution
Implementation of a fully automated digital onboarding solution. Customer identity verification done through eIDs and eIDVs in Norway, Sweden, Finland, Denmark, Belgium and the Netherlands. AML checks with automated PEP and sanction screening. All signing was done using electric signatures from Signicat.
Results
Conversion rates increased from 63% to 82%. Onboarding time per customer reduced from days to minutes. Fully complaint solution, adopting to local and international regulations.
We help set the standards
Signicat actively contributes to the development of the European Digital Identity Wallet ecosystem through participation in European Commission-backed Large Scale Pilots (LSPs).
Aptitude
Aptitude is one of the European Commission's latest EUDI Wallet Large Scale Pilots, bringing together more than 110 organisations from over 15 European countries to test real-world wallet use cases in areas such as payments, mobility and cross-border travel.
WE BUILD
Signicat also participates in WE BUILD, another European Commission-backed EUDI Wallet Large Scale Pilot, further reinforcing its role in shaping Europe's digital identity ecosystem.