The European payments ecosystem is evolving fast. With PSD2, MiCA, and AMLD6, compliance is no longer optional, especially for high risk merchants operating in crypto, forex, gaming, or CBD sectors.
At KunnectPayments, we ensure every merchant setup meets EU compliance standards while maintaining flexibility and fast onboarding.
1. PSD2 – The Core of EU Payments
Payment Services Directive 2 (PSD2) governs how payments are processed in the EU.
It mandates:
- Strong Customer Authentication (SCA)
- Licensing for PSPs and PayFacs
- Open Banking API access
- Transparency in fees and transactions
💡 KunnectPayments is PSD2 ready, enabling secure card, SEPA, and API based payments.
2. MiCA – Regulating Crypto Transactions
The Markets in Crypto Assets (MiCA) framework, effective 2025, brings structure to crypto operations across Europe. It requires:
- Licensing for crypto exchanges & wallets
- Stablecoin issuance transparency
- Cross-border crypto payment oversight
💡 KunnectPayments integrates MiCA compliance for crypto gateways, allowing seamless fiat-to-crypto and crypto-to-fiat transactions.
3. AMLD6 – Fighting Financial Crime
Anti Money Laundering Directive 6 (AMLD6) expands liability and enforcement for financial institutions.
It emphasizes:
- Enhanced KYC/KYB checks
- Transaction pattern monitoring
- Shared responsibility between PSPs and merchants
💡 Our system automates AML and KYC workflows to meet AMLD6 standards while minimizing friction.
4. Why These Matter for High Risk Merchants
High risk sectors face increased scrutiny. Without compliance, banks can delay settlements, hold reserves, or terminate accounts.
KunnectPayments bridges the gap, ensuring your business is regulation ready from day one.
5. The KunnectPayments Advantage
- PSD2 compliant infrastructure
- MiCA ready crypto payment rails
- AMLD6 driven monitoring for safer settlements
- Local support across the EEA, UK, and Switzerland
Conclusion
Regulations like PSD2, MiCA, and AMLD6 are shaping the future of payments in Europe. Staying compliant isn’t a burden, it’s your competitive edge.
Partner with KunnectPayments to stay ahead of EU regulations and scale your high risk business with confidence.
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