Banking & payments: bank‑ready KYC pack and payment scenario
Banking is often the hardest gate. We build a bank‑ready KYC folder, ownership/UBO structure, a clear source‑of‑funds narrative and the document templates and approvals process required for clean payments.
Scope
- KYC folder: UBO, corporate docs, structure
- Business model & funds flow narrative (SoF/SoW)
- Invoice/contract templates for payment evidence
- Signatory and payment approvals policy
What you get
We ship concrete deliverables: documents, checklists, and a roadmap — not just calls.
KYC pack
- UBO chart + document checklist
- Bank/PSP requirement checklist
- Folder structure + naming convention
Payment narrative
- Business model and funds flow explanation
- Counterparty/country/transaction types list
- Evidence set: contracts, invoices, acceptance acts
Governance
- Signatory rules and powers mapping
- Payment approvals workflow
- Internal resolutions templates (optional)
Artifacts you keep
- UBO chart (editable)
- Bank/PSP KYC checklist
- SoF/SoW narrative (corporate style)
- Evidence folder structure for transactions
- Templates: invoice, contract, acceptance (optional)
- Approvals/signatory policy (high‑level)
- Risk register for rejections/delays + mitigations
- KYC request/status tracker
How it works step by step
We move through milestones with clear ownership. Your team always knows what’s next.
Steps
- Scenario design: define payments: local/international; bank/PSP/hybrid.
- KYC collection: compile UBO, docs, and fill gaps.
- Pack assembly: write narrative, prepare templates and evidence folder.
- Submission & iterations: coordinate communications until the case is KYC‑ready.
Roles & responsibilities
- Analyse payment flows and propose scenarios
- Build KYC folder and UBO chart
- Draft SoF/SoW narrative for compliance
- Prepare evidence templates (invoice/contract) where needed
- Set up approvals and signatory workflow
- Provide UBO/director docs and group structure
- Describe product, clients, countries and expected flows
- Sign corporate resolutions if needed
- Make bank/PSP introductions if you have them
- Pay provider fees/charges
Packages and typical fee ranges
For budgeting, we show typical ranges. Final fee is fixed after scope confirmation.
KYC ready
- UBO chart + checklist
- KYC document pack
- Base payment narrative
Application support
- Everything in KYC ready
- Evidence templates
- PM for iterations
- Approvals workflow
Payments program
- Everything in Application support
- Extended compliance pack
- Accounting/import integration
- Board memo on payments
We prefer fixed‑scope milestones — easier to control timeline, quality and budget.
Typical scenarios & outcomes
Anonymised examples so you can see how it looks for an international team.
Bank KYC
Bank requested ownership, source of funds and transaction evidence.
Outcome: KYC pack + narrative assembled; case became KYC‑ready.
PSP for e‑commerce
Need merchant onboarding with clean documentation.
Outcome: Payment scenario + templates + approvals process.
Group structure
Complex ownership and multiple transaction types.
Outcome: UBO chart + board memo + evidence folder.
What clients say
“Once the narrative was in place, compliance stopped looping on the same questions.”
“Signatory and approvals policy was a big win — rarely included elsewhere.”
Our USP for international companies
- One PM and a transparent tracker (Notion/Jira/Google Sheets) — no dropped threads.
- Communication and key docs in EN; RU available; ES on request.
- Compliance‑first: KYC/UBO clarity, source‑of‑funds narrative, bank‑ready documentation pack.
- Fixed‑scope milestones: predictable budget and timeline control.
- Local contractor network (legal, accounting, notary, translation) — managed by us.
- Corporate‑style deliverables: board memo, risk register, checklists and an artifacts folder.
Questions we get a lot
Can you guarantee account opening?
No. Banks/PSPs decide. We increase success odds by packaging the case and artifacts correctly.
Do you work with specific banks?
We can propose scenarios and providers, but the best fit depends on industry, flows and compliance requirements.
Can we operate without a bank account?
Sometimes via PSPs/aggregators/partner structures — decided during market entry and compliance planning.
Why do we need a narrative?
Many rejections are about unclear business logic, not missing docs. A narrative makes the case understandable.
Need banking/payments without endless compliance loops?
Send a request — we’ll reply with 2–3 tracks, key risks and the next step. NDA is available.