External KYC service for regulated companies and professionals

At PAYCONSULTING, we help companies, professionals and financial sector partners outsource KYC processes, document review, risk analysis and AML compliance. Our service makes it possible to collect, organise and verify the information needed to identify clients, review beneficial ownership, analyse the source of funds and prepare complete documentary files.

We work with obliged entities, fintech companies, PSPs, consulting firms, law firms, real estate companies, commercial agents and businesses that need to reduce operational workload without losing control, traceability or confidentiality.

Outsource your KYC process with a specialised team and receive clear, reviewable files ready to move forward with banks, PSPs, acquirers or internal compliance processes.

Request an external KYC assessment

What does our external KYC service include?

We offer a complete external KYC service for regulated companies and professionals. We handle the collection, review and structuring of documentation, identity verification, source of funds analysis and the preparation of AML risk reports when required.

Our goal is to help you comply with due diligence and anti-money laundering processes while reducing errors, review times and administrative workload.

  • Collection and organisation of KYC documentation.

  • Identity review of individuals and legal entities.

  • Verification of beneficial ownership and corporate structure.

  • Source of funds analysis and economic consistency review.

  • Review of activity, sector, country and risk profile.

  • Screening against sanctions lists, PEPs and adverse media.

  • Preparation of an updated documentation checklist.

  • Preparation of AML reports and risk analysis.

  • Completion of banking or PSP forms.

  • Preparation of case-specific compliance documentation.

KYC service for regulated companies in Spain

Our service is designed for companies and professionals that need to strengthen their identification, verification and document analysis processes within the framework of anti-money laundering and counter-terrorist financing prevention.

  • Payment service companies.

  • Fintech companies and financial ecosystem entities.

  • PSPs, acquirers, wallets and payment agents.

  • Consulting firms and facilitators working with merchants.

  • Legal, tax and advisory firms.

  • Real estate companies and professionals subject to compliance obligations.

  • Companies operating in high-risk sectors or international business models.

  • Partners preparing files for banks, PSPs or acquirers.

We adapt the process to the type of client, sector, jurisdiction, risk level and available documentation.

KYC, AML and anti-money laundering prevention

The KYC process is part of due diligence measures that make it possible to identify a client, understand their activity, verify their structure and assess potential risks related to money laundering, terrorist financing, sanctions or reputation.

PAYCONSULTING helps structure these processes through an organised and documented review of the available information. Our approach allows you to prepare clear, traceable and reusable KYC files for internal processes, compliance reviews or requests from banks and payment providers.

  • Anti-money laundering and counter-terrorist financing prevention.

  • Customer due diligence.

  • Enhanced due diligence when the risk requires it.

  • Formal client identification.

  • Beneficial ownership verification.

  • Source of funds analysis.

  • AML risk assessment.

  • Sanctions, PEPs and adverse media review.

  • Supporting documentation for banks, PSPs and acquirers.

Outsource your KYC without direct contact with the end client

Our service is designed to work as external support for your company, consulting firm or compliance team. We can help you prepare the KYC file without directly contacting your end client, merchant or commercial lead.

This allows you to keep your commercial relationship intact, avoid conflicts of interest and maintain control of the process.

  • The list of required documentation.

  • Prepared texts to request documents.

  • Review of the documentation received.

  • Updates on pending items.

  • Organised KYC file.

  • AML risk report if contracted.

  • Completed forms when applicable.

How our external KYC service works

We analyse the case

We review the type of client, activity, country, corporate structure, sector and purpose of the KYC file. This allows us to define the documentation scope and the required level of review.

We request the required documentation

We prepare a checklist with the required documents and, if needed, provide clear texts to request the information from the client, merchant or company being reviewed.

We review identity, activity and beneficial ownership

We analyse the documentation received, identify inconsistencies, verify relevant data and review the ownership structure, directors, economic activity and source of funds when applicable.

We prepare the KYC file

We organise the information into a clear, clean and reusable file. We can also prepare bank or PSP forms and additional compliance documentation.

We deliver the final report or checklist

You receive a structured file, with reviewed documents, identified pending items and clear conclusions. If contracted, we include an AML report with risk analysis.

 

 

Everything you need to know

What is KYC-as-a-Service?

It's a service designed for consultants, agents, and facilitators who help merchants register with banks, wallets, or PSPs. We collect, structure, and deliver the KYC and compliance documentation, without interacting with the end customer.

What's the advantage over doing it in-house?

Time savings, error reduction, increased operational speed, and standardization. Our team specializes exclusively in KYC and works with multiple jurisdictions and complex business models.

Do you speak directly with merchants?

No.

We only work with our partners (you). We send you pre-written texts so you can request the documentation, and we process them once you submit them to us.

What exactly do you deliver?

A folder with:

  1. Updated document checklist.
  2. File with organized KYC data.
  3. Completed bank form (if provided).
  4. Risk and AML report, if purchased.

Can I purchase only part of the service?

Yes.

You can use only the KYC Pack, or add AML reports and forms as needed. We offer bulk and volume pricing.

How long does the process take?

It depends on the merchant's speed in submitting documents. Once everything is ready, we deliver the complete file within 48–72 hours.

How is the information protected?

Each partner has private access to their secure space. We don't use merchant data for any other purpose, and we sign confidentiality agreements.

Additionally, we don't present leads to banks.

Do you need to outsource or strengthen your KYC process?

We analyse your needs and help you structure a clear, secure KYC process tailored to your operations, from document review to the preparation of files and AML reports.