How Freemarket Compliance Supports Business Trust & Growth

Compliance generates confidence in your business. For too long in the payments sector it has been seen just as a cost of doing business. But compliance can help to build reputation and increase confidence in your organisation. It does this by giving you control and choice over the way your payments are made. Operating with transparency strengthens trust among partners, customers, and suppliers, which helps differentiate businesses in competitive market and gives your customers confidence in you.

At Freemarket, our level of compliance enhances your payment processes. In 2025 we achieved 0% fraud for clients due to robust AML (anti money laundering) and fraud controls in addition to very strong third party audits. We do this through:

• Financial Crime & AML Compliance: PSPs must actively prevent their services from being used for financial crime under the Money Laundering Regulations 2017
• Strong Customer Authentication (SCA): reduce remote fraud, PSD2 mandated multi-factor authentication for electronic payments and account access.
• Confirmation of Payee: account name-checking service is strictly enforced by the Payment Systems Regulator (PSR). It is designed to combat Authorised Push Payment (APP) fraud and drastically reduce accidentally misdirected payment.
• Fraud Prevention & Mandatory Reimbursement: Under stringent rules driven by the PSR, fighting Authorised Push Payment (APP) fraud is a primary focus
• Safeguarding of Customer Funds: strict safeguarding rules are enforced to protect client funds.
• Operational Resilience: prevent, adapt to, respond to, recover from, and learn from operational disruptions
  
  

Our compliance shows your customers that your transactions are safe and successful. So your business becomes as trusted as the payments network you use.

Joining our payment network means you meet certain standards. We insist all the businesses on our network keep our minimum standards and have a high degree of compliance internally, so you can have confidence in the process.  Although regulatory requirements differ widely, our payment networks give access to anti‑fraud systems, real-time transaction monitoring, compliance with local laws (like data sovereignty rules), and tools for Know Your Customer verification. Proactive compliance also reduces the risk of legal penalties, fines, and disruption in volatile regulatory environments.
This protects your company and its customers.

It’s not just about speed; you need reliability and resilience too. Payment networks often sell themselves on speed, but this must be integrated to be effective. Reliability comes from the stability of your payment network and its infrastructure, which is enforced through compliance measures. In innovation markets like sub-Saharan Africa, compliance is the mechanism that unlocks access, through wider choice, and creates legitimacy. Markets which have liquidity issues and unreliable access can create resilience from choice in routing. All of this shows that your payments, and therefore your business, can be relied upon.

Compliance is now a strategic advantage in a fast-moving regulatory landscape. It enables your business to have confidence in a highly mobile economy. It is essential to help curb high levels of fraud, corruption, and illicit financial flows, which are estimated to cost the continent $148 billion annually. Our levels of compliance will show your prospects, peers and competitors that you are compliant with high standards. So you can focus on your business. With Freemarket, your business can be quick and compliant.

Compliance means you can write more business. We see it as guardrails rather than roadblocks. It becomes something that allows you to do business better. You can be confident your processes work, your payments happen quickly and easily, which gives your customers greater confidence in you.

We are Freemarket. We are confident, together.