HubSpot for regulated payments and e-money institutions

Close the merchant onboarding, corridor enablement, and compliance reporting gaps.

Three payments-and-e-money problems HubSpot solves

A merchant applies for an account, completes KYB on a Tuesday, gets routed to enhanced due diligence on Wednesday, and waits ten days for a final decision — and the sales team owning the relationship cannot see where in the process the application has stalled or who is holding the next action.

A payments PSP enables a new corridor — outbound payouts into a new geography — and the launch involves a banking partner, a card scheme contact, a local compliance review, and a product release — sitting across four teams' Slack channels rather than as a single coordinated launch record.

Safeguarding reporting, FCA notifications, and authorised push payment fraud disclosures cycle through every month — and the compliance team rebuilds the reporting pack from operational data extracts rather than reading it from a structured compliance object that has been maintained throughout the period.

Why does a merchant onboarding stall invisibly between teams?

The merchant application sits as a structured object with KYB status, enhanced due diligence triggers, compliance review state, and final decision capture visible to sales, onboarding, and compliance from the same record.
Workflow handoffs log against the application — Sarah in onboarding requested directors' UBO documents on Tuesday, James in EDD started review on Wednesday, the merchant replied on Thursday — so the sales rep responding to an applicant's chase reads structural status rather than searching three inboxes.
Onboarding becomes a structured pipeline with visible stalls, owners, and SLAs — not a black box where the sales team finds out two weeks later that an application sat in someone's inbox.

Why does a merchant onboarding stall invisibly between teams?

Why does a corridor launch fragment across four teams?

A new payment corridor launches as a structured object — banking partner enablement, scheme readiness, local compliance review, product release, partner communications — that banking partnerships, compliance, product, and the commercial team all reference from the same live record.
Dependencies, blockers, and target dates log against the corridor rather than against individual team plans, so the head of payments asking on a Monday morning where the Brazil payout corridor stands gets a structural answer.
The launch becomes a coordinated commercial release with predictable timing, not a four-way Slack negotiation where someone discovers in week six that the local AML review hadn't started.

Why does a corridor launch fragment across four teams?

Why is monthly compliance reporting rebuilt from operational extracts?

Safeguarding balances, FCA notification triggers, APP fraud cases, and merchant risk events log as structured records during the month rather than as month-end extracts pulled from operational systems.
Monthly reporting becomes a query against the live compliance object — counts, values, exception cases — with an audit trail that supports the regulator's questions about what was reported when and why.
The compliance reporting cycle becomes a managed read of clean structured data, not a four-day extract-and-reconcile exercise that absorbs the compliance team's first week of every month.

Why is monthly compliance reporting rebuilt from operational extracts?

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Name E-Money Institution

"PYB built us a HubSpot that actually models how a regulated payments business operates — onboarding pipeline, partner enablement, compliance reporting, all on one structured layer. Our regulators have noticed."

Chief Compliance Officer

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FAQs

How long does a HubSpot implementation take for a payment institution or EMI?

A typical payment institution or EMI implementation runs twelve to sixteen weeks from kick-off to live. Weeks one to four cover data migration from existing systems (typically legacy CRM, onboarding platforms, and compliance spreadsheets) and the merchant-application-corridor-partner record architecture. Weeks five to ten cover automation for KYB and EDD workflow, corridor launch coordination, safeguarding reporting, and integration with payment processing, KYC, and transaction monitoring systems. Weeks eleven to sixteen are user training across sales, onboarding, partnerships, compliance, and operations.

Can HubSpot model the relationship between a merchant, its ultimate beneficial owners, its applications, and successive product use?

Yes. The standard account model treats the merchant as the primary record, with directors, UBOs, and connected parties as contacts, and applications, accounts, and product subscriptions as discrete objects. KYB status, EDD outcomes, and risk classification persist across the merchant lifecycle. PYB has built payments architectures for EMIs and PIs whose customer base spans hundreds of merchants across multiple corridors and product lines.

How does HubSpot handle FCA safeguarding, APP fraud reporting, and the regulatory cycle?

HubSpot's structured-property model and reporting tools hold safeguarding balances, APP fraud cases, FCA notification triggers, and the monthly reporting cycle as managed objects with audit trail. Compliance reporting runs as queries against live data rather than as month-end extracts. PYB's reporting practice routinely builds compliance dashboards for EMIs and PIs whose FCA reporting obligations depend on clean, traceable structured data.

What HubSpot products does a regulated payment or e-money institution typically need?

Most regulated payments businesses run Sales Hub Professional for merchant acquisition and partner business development, Marketing Hub Professional for merchant communications and product launches, and Service Hub Professional for in-life merchant support. Operations Hub is essential for integration with payment processing, KYC, and transaction monitoring systems. Custom Objects (Enterprise tier) are usually required to model merchants, applications, corridors, and compliance objects properly.

Does HubSpot meet the FCA and PCI security requirements of a payments business?

HubSpot is SOC 2 Type II certified and ISO 27001 compliant, meeting the security standards expected of FCA-regulated payment and e-money institutions handling sensitive merchant and transaction data. PYB is independently ISO 27001 and ISO 9001 certified, with the HubSpot Data Migration Accreditation — relevant proof when a payments business's compliance and information security committees are signing off the platform against SYSC, the EMRs and PSRs, and the firm's PCI scope.

Talk to PYB about HubSpot for your regulated payment or e-money institution.

A 15-minute call to walk through your merchant onboarding pipeline, your corridor and partner enablement, and your compliance reporting cycle and what closing the gaps looks like. No prep, no pitch deck.

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