Enabling Scalable, Multi-Market Compliance for Macropay

About the Client

Macropay: A Fintech Building The Compliance Layer For Multi-Market Payments

Macropay is a fintech company building payment infrastructure focused on digital transactions, alternative payment methods, and cross-border payment flows. Its platform connects multiple payment methods and markets into a unified experience: seamless on the front end, fully controlled and traceable on the back end.

Operating across the EEA and additional international markets, Macropay supports a diverse customer base including both end users and businesses integrating payment capabilities into their own platforms. Given the regulated nature of payments, identity verification, transaction monitoring, and risk management are central to Macropay's operations.

The Challenge

Building A Scalable Compliance Framework Without Slowing The Product

As Macropay scaled its platform across multiple markets, the company needed to establish a robust and adaptable compliance framework, without slowing down product development or increasing operational overhead. The core challenge was to design a system that could handle identity verification and ongoing monitoring across jurisdictions while maintaining efficiency and flexibility.

1. Disconnected Compliance Systems

   The need for a single, scalable platform instead of stitching together multiple compliance tools.

2. Cross-Market Compliance Complexity

   Managing different countries, regulations, and payment methods in a consistent and auditable way.

3. Regulatory Pressure Amid Rapid Growth

   Tight timelines driven by both regulatory requirements and accelerating business growth

4. Manual Review Bottlenecks

   Avoiding heavy reliance on manual reviews and internal operational processes that couldn't scale

The Solution

A Centralised KYC, KYB, And AML Layer Configured For Their Platform

To address these challenges, Macropay implemented Shufti as a centralised identity verification and compliance layer within its payment infrastructure. The solution enables the company to manage both KYC and KYB processes while maintaining flexibility across markets and use cases.

Unified KYC & KYB Verification

Handling both individual and business verification flows through a single integrated platform, eliminating the need for separate vendor relationships.

Multi-Region Coverage

Global verification coverage across EEA and additional international markets, supporting Macropay's cross-border payment infrastructure without jurisdictional blind spots.

Risk-Based Compliance Configuration

Flexible verification flows and compliance rules that adapt to risk levels, from standard KYC to enhanced due diligence- without engineering changes.

AML & Transaction Monitoring Integration

Integration with broader AML and transaction monitoring systems, connecting identity verification to ongoing screening against global watchlists and sanctions databases.

"Shufti gives us the flexibility and coverage we need to build a compliant, multi-market payment setup without overcomplicating the product."

The Results

Stronger Compliance Foundation, Faster Market Expansion

Macropay is currently focused on building a strong compliance foundation as it scales, with early results already demonstrating clear operational and strategic benefits across its payment infrastructure.
The flexibility of the solution also supports expansion into new markets. With broad verification coverage already in place, Macropay can onboard users across regions without needing to redesign its compliance infrastructure each time.