Articles and Insights
Stay Ahead in Payments, Risk & Compliance
Explore expert insights, practical tips, and regulatory updates in the fast-evolving world of payments. From fraud prevention and partner due diligence to compliance trends and industry best practices—our content is here to help you make informed decisions and manage risk with confidence.
# 1
🔍 Thinking of launching payment processing as a fintech startup?
At AsesPay, we’ve spent over 20 years helping fintechs and financial institutions navigate the complex path to becoming fully operational payment players.
💡 Here are the top challenges fintech startups typically face:
1️⃣ Licensing & Regulatory Compliance
PSD2, AML, KYC, PCI DSS… the regulatory landscape is dense and unforgiving. Missing a step can cost you months.
2️⃣ Choosing the Right Payment Partners
Open APIs, global methods, fraud tools, settlement timelines… the wrong choice can limit your growth before you begin.
3️⃣ Building Robust Infrastructure
It’s not just tech—it's about connecting to the right banks, ensuring uptime, managing fraud risks, and scaling securely.
4️⃣ Time-to-Market Pressure
You need to move fast. Investors and customers don’t wait for integration backlogs or compliance delays.
✨ This is where AsesPay comes in.
We’re not just advisors—we’re strategic partners who understand the pain points and know how to solve them. From license support to technical due diligence, from vendor selection to go-to-market readiness.
👉 Ready to start processing payments the smart way? Let’s talk
# 2
Why 27% of Startups Are Failing in 2025 — And What You Can Do About It
> Over 27% of early-stage startups that failed this year cited payment infrastructure as a key contributor.
Not product. Not funding.
Payments.
That might surprise some, but for us at AsesPay, it’s something we’ve been seeing firsthand — and helping founders avoid.
The Hidden Cost of Poor Payments
When you think about why startups fail, you likely picture market fit issues, lack of capital, or flawed go-to-market strategy. And while those are all real, there’s a growing category of failure that’s often overlooked until it’s too late:
Failed transactions that destroy conversion rates
Poor checkout UX that leads to cart abandonment
Rigid or outdated PSP integrations that slow down launches
Lack of support for real-time or cross-border payments
Weak fraud protection that undermines trust and revenue
Limited visibility and control over payment performance
The result?
Products that can’t scale. Revenues that don’t materialize. Teams that burn time fixing fires instead of building.
Founders, You Deserve Better
You’ve poured your energy into building a great product. But if your payment infrastructure isn’t built for speed, flexibility, and scale, it can quietly become your biggest liability.
This is especially true in 2025, where:
Customers expect instant, frictionless payments
Investors are scrutinizing financial efficiency more than ever
Fraud and chargebacks are rising in tandem with transaction volume
Time-to-market is a competitive weapon
If payments are not working, nothing else works.
How AsesPay Can Help
At AsesPay, we’re not a PSP. We’re not trying to sell you a platform.
We’re independent consultants helping high-growth startups get their payment stack right — from day one.
We work with founders and product teams to:
Design scalable, future-proof payment architecture
Select the right PSPs, gateways, and fraud tools
Improve approval rates and checkout conversion
Integrate real-time and cross-border capabilities
Streamline back-office processes for finance, ops, and compliance
Whether you're pre-launch or scaling across regions, we help you avoid the costly mistakes and fragmented setups that too many startups learn about after they’ve lost time and revenue.
Don’t Let Payments Be the Blind Spot
If you're building something great, your payments should be just as strong as your product.
Let’s talk about how to make sure they are.
# 3
💣 How Fraud Can Break a Payment Processor — If Not Understood and Handled
But lurking beneath the surface is a real and growing threat: fraud.
At Asespay.com, we’ve seen how fraud — when underestimated or poorly handled — can do more than cause losses. It can cripple the processor.
🚫 Fraud Is More Than a Financial Risk
Fraud doesn’t just hurt the bottom line. For processors, the impacts go deeper:
Regulatory action: Excessive fraud can trigger audits, fines, or even license suspension.
Client loss: Merchants expect protection. If fraud leaks through or false positives rise, clients leave.
Operational chaos: High fraud leads to more manual reviews and support — draining resources.
Reputation damage: Trust is hard to win and easy to lose. A fraud scandal can stick.
💡 Fraud Is a Business Issue — Not Just IT’s Job
Too often, fraud is seen as a technical problem. But real protection requires business ownership.
Why?
Ownership drives performance: Fraud KPIs must sit with business leadership, not just compliance or IT.
Collaboration is key: Business and IT must work hand-in-hand for fast, data-driven rule updates.
Customer experience matters: Blocking good customers in the name of security hurts growth.
🔍 We’ve Seen It Happen
In our work with processors and fintechs, we’ve seen:
Poor calibration leading to high false positives and churn
Slow response to fraud spikes due to manual processes
Disconnected teams missing key signals and delays in action
Some never recovered.
✅ What Processors Must Do
To thrive, fraud must become a strategic focus:
Give fraud a business owner, with budget, metrics, and influence.
Set up agile governance, with fast reaction cycles.
Invest in real-time, adaptive controls, not static rules.
Design with the customer in mind, always.
Create strong internal alignment across fraud, IT, product, and support.
At Asespay, we help processors turn fraud prevention into a growth enabler — not just a risk shield.
Because fraud isn’t just a threat. It’s a business risk that can end you — or elevate you.
Let’s build smarter fraud defenses, together.
# 4
🔐 Fighting Fraud with Regulation: How PSD3 Is Unlocking the Power of Data Sharing🔍
Yet, for years, financial institutions have been limited in how they collaborate and share fraud intelligence—slowing down real-time responses and giving fraudsters the edge.
That’s changing.
📜 Enter PSD3 – the next evolution of the EU’s Payment Services Directive. One of its most forward-looking provisions? A legal framework that encourages and enables cross-institutional fraud data sharing across the EU. For the first time, there’s regulatory clarity that allows banks, PSPs, and fintechs to collaborate more openly, creating a united front against increasingly sophisticated threats.
But turning regulatory potential into operational impact requires more than compliance know-how.
That’s where AsesPay.com comes in.
💡 At AsesPay, we combine deep fraud management expertise with regulatory insight to help payment providers and financial institutions:
Build and scale effective fraud data-sharing strategies,
Align internal fraud systems and controls with the evolving regulatory landscape,
Strengthen fraud defenses through smarter collaboration and architecture.
📊 If your organization is exploring how to make the most of PSD3’s framework for fraud prevention, we’re ready to help.
Fraudsters move fast. Regulations now let us move faster—together.
