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Secure & Compliant: Your Payments, Our Regulatory Assurance (2025)

Payment compliance is no longer an afterthought in FMCG. It’s the cost of entry. If your flows aren’t secure, screened, and documented, you don’t just risk fines—you risk trust. And in 2025, regulators, distributors, and suppliers all demand evidence that money moves safely. FMCG Pay makes that proof automatic.

payment compliance

Why payment compliance defines 2025

The headlines are blunt. Regulators are tightening on cross-border payments, and FMCG flows are squarely in the spotlight. A slip can mean not just a penalty, but a frozen lane—and that means shelves sit empty. Compliance is no longer a paperwork exercise; it’s how you keep the FMCG value chain alive.

The G20’s global roadmap still frames the public scoreboard around cost, speed, transparency, and access, but regulators quietly add a fifth pillar: compliance. Without it, the other four crumble.

The alphabet soup: PCI DSS, ISO 27001, SOC 2, AML, KYC

You’ve seen the acronyms: PCI DSS for payment security, ISO 27001 for information security, SOC 2 for service controls, AML for anti-money-laundering, KYC for customer due diligence. Each exists for a reason.

A unified platform keeps the alphabet soup from drowning you.

Real risk: what FMCG teams face without controls

The costs are not theoretical.

Payment compliance is not “red tape.” It’s the guardrail that keeps your supply chain moving.

Screening without slowing the business

Automated AML screening is built into FMCG Pay. Every draft checks names and addresses against up-to-date lists. False positives are inevitable—but we shrink them. Structured ISO 20022 data (legal names, purpose codes, addresses) means fewer mismatches and faster clearance.

When a hit does appear, the system routes it to the right reviewer with the evidence attached. No emails. No mystery. Just a workflow that clears or blocks with speed.

Data discipline: ISO 20022 as a compliance enabler

By 22 November 2025, ISO 20022 becomes mandatory for cross-border FI-to-FI payment messages. Structured fields—names, addresses, remittance references—make compliance checks faster and more accurate. That’s not just good practice; it’s regulation catching up to operational reality.

In other words: data discipline is compliance discipline. Clean data moves money.

Secure at scale: PCI DSS v4.0 and FMCG Pay

PCI DSS v4.0 expanded password rules, encryption requirements, and continuous monitoring. By March 31, 2025, all organizations processing payments had to comply. FMCG Pay aligns to these controls end-to-end. That means when you send high-volume batches, they run inside a PCI-compliant perimeter—no gaps, no excuses.

Compliance here isn’t just about card payments; it’s about discipline. Logs, monitoring, and encryption practices spill over into FX and cross-border payments too.

Privacy by design: ISO 27001 and data protection

Every payment message carries sensitive data—names, accounts, addresses. ISO 27001 demands you protect that information not just technically, but organizationally. FMCG Pay treats every field as part of an information-security management system: role-based access, least-privilege design, encryption at rest, and encryption in transit.

This isn’t just for auditors. It’s for distributors and suppliers who trust you with their details.

Regulators expect evidence, not promises

Auditors and regulators don’t want reassurances—they want records. That’s why FMCG Pay builds non-repudiable logs for every action: who created, who approved, who screened, who released. Each log is time-stamped, immutable, and exportable.

When a regulator asks, “How do you know this wasn’t a sanctions breach?” you don’t tell a story. You show a log.

Audit trails that tell the whole story

Every payment leaves a trail. With FMCG Pay, that trail is human-readable. You can replay a transaction from draft to credit: the screening hit (if any), the fix, the FX execution, the release, the confirmation.

For auditors, that’s the difference between hours of interviews and minutes of evidence. For your CFO, it’s proof that compliance isn’t a cost—it’s protection.

The hidden link between compliance and trust

Distributors don’t ask about PCI or ISO. They ask, “Will I get paid on time, in my currency, without surprises?”

Payment compliance ensures the answer is yes. When sanctions hits are resolved quickly, payments don’t stall. When privacy is respected, partners keep sharing data. When audit trails exist, disputes close faster. Compliance becomes invisible—but trust becomes visible.

Global corridors, local rules

Different markets add their own quirks:

A unified platform absorbs those local rules into global flows, so your AP team doesn’t have to memorize them.

Weekend resilience without cutting corners

Real-time payments don’t pause for weekends. But neither does compliance. FMCG Pay runs screening and approval logic 24/7, so you can pay on Saturday without bypassing AML or KYC checks. That balance—speed and compliance together—is how you scale without fear.

15 proven moves that keep you secure

  1. Enforce ISO 20022 fields at draft.
  2. Automate AML screening on every transaction.
  3. Pre-validate beneficiaries before release.
  4. Encrypt all data at rest and in transit.
  5. Rotate keys and credentials regularly.
  6. Map controls to PCI DSS v4.0.
  7. Maintain an ISO 27001 ISMS.
  8. Run continuous monitoring and logging.
  9. Capture multi-dealer FX quotes with timestamps.
  10. Prefer PvP settlement via CLS when pairs allow.
  11. Route exceptions with evidence, not guesswork.
  12. Document guardrails corridor by corridor.
  13. Share dashboards across treasury, AP, ops.
  14. Train users on compliance basics quarterly.
  15. Export logs for audit without manual collation.

Your 90-day compliance roadmap

Weeks 1–4: Pull 90 days of flows. Count sanctions hits, repair rates, settlement times, and realized FX slippage. That’s your compliance baseline.

Weeks 5–8: Enforce ISO 20022 mapping. Turn on automated screening. Map your practices to PCI DSS v4.0 and ISO 27001 controls.

Weeks 9–12: Re-run the metrics. Compare hits, delays, and audit readiness. The result? Fewer false positives, cleaner approvals, and faster settlements that are regulator-ready.

Why FMCG Pay makes compliance a growth lever

Compliance doesn’t have to be a bottleneck. With FMCG Pay, it becomes a competitive edge. You get faster flows, fewer delays, safer rails, and audit trails that protect your business.

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