Payment Gateway Compliance for Technology Providers
A payment gateway transmits sensitive payment data and can quietly cross over into regulated territory. We help payment gateways secure that data and understand exactly where their own Canadian obligations really begin.
Transmitting Data Carries Real Duties Too
A payment gateway moves transaction data between merchants, processors, and networks, and that data is highly sensitive. Even a pure conduit has to protect it to a high standard. We help you build the data security your gateway needs and understand the responsibilities that come with sitting on the payment data of others.
Where a Conduit Becomes Regulated
The line between transmitting data and performing a payment function is easy to cross. If your gateway starts holding funds, initiating payments, or doing more than passing data along, it can fall under Bank of Canada or FINTRAC obligations. We help you see exactly where your gateway sits, so you know whether registration and AML duties apply to your business.
Data Security
We help you protect the sensitive payment data your gateway transmits.
Regime Assessment
We assess whether your gateway crosses into a regulated payment function.
Registration Support
We help you register where your gateway activity actually requires it.
AML Controls
We build the AML controls your gateway needs where obligations apply.
Ready to Simplify Your Compliance?
Gateways We Support and Guide
We support payment gateways, checkout providers, payment technology firms, and the many other businesses transmitting sensitive payment data between merchants and the payment system under Canada’s payment and privacy regimes.
We support banks with program design, oversight, & regulatory examination readiness.
We help credit unions meet obligations proportionate to their membership and scale.
We handle registration, renewals, reporting, & controls FINTRAC expects from you.
We cover Bank of Canada registration alongside your anti money laundering obligations.
We establish what your wallet activity triggers, then build only what applies.
We build compliance around what your product does, before volumes and questions arrive.
We register virtual currency dealers and build the reporting their activity demands.
We support financial institutions across registration, program build, and reporting duties.
Why Gateways Choose Our Compliance
Data Secured
We help you protect the payment data you transmit, so a core duty of running a gateway is properly met.
Line Clear
We pin down whether your gateway has crossed into a payment function, so you know exactly which rules apply.
Correctly Placed
We place your gateway correctly in the regime, so you register and comply only where you actually must.
Serving Gateways Across Canada
We support payment gateways right across the whole of Canada, from Toronto and Montreal to Vancouver and Calgary, and foreign gateways serving Canadian merchants and customers wherever they are based.
Let's Talk About Your Compliance Needs
Schedule a Free Consultation
Whether you’re starting a new MSB or need ongoing AML support, our team responds within one business day.
Payment Gateway Questions
Clear answers to the questions gateways ask most about the compliance obligations of transmitting payment data across Canada under the PCMLTFA.
Does a payment gateway need registration?
It depends. A pure data conduit may not, but a gateway that holds funds or initiates payments can require registration.
What is a gateway's main compliance duty?
Protecting the sensitive payment data it transmits. A gateway sits on cardholder and transaction data that must be secured to a high standard.
When does a gateway become regulated?
When it does more than transmit data, such as holding funds or initiating payments, it can cross into a regulated payment function.
How does this differ from processor compliance?
A processor processes transactions and often holds funds. A gateway transmits data, so its duties centre on security and where regulation begins.
Do we need AML controls?
Only where your gateway crosses into a regulated payment function. We help you confirm that and build the controls if they apply.