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What Authorizations & Compliance delivers

Licences, certificates, technical credentials and connection validation delivered as one coordinated workflow. Pay Engineers bridges the gap between regulatory paperwork and the sandbox or production parameters your engineering team actually needs…

Scope

Pay Engineers helps regulated payment businesses package regulatory evidence, publish sandbox and production technical credentials, and validate connectivity for processors built with us or brought in from external vendors. The Authorizations & Compliance service exists because "getting a licence" and "being ready to process a real transaction" are two very different milestones, and most teams underestimate the distance between them. We sit in that gap: translating legal and regulatory outcomes into the concrete artifacts — API keys, certificates, IP allow-lists, webhook secrets — that a development team can actually put into a .env file and test against.

This is not a generic consulting engagement. Every request is tracked as a discrete case with a status, an owner and a set of deliverables, so that both your compliance function and your engineering function have a single source of truth for "where are we" and "what do we get at the end."

Typical deliverables

  • Licence / authorization guidance dossiers — a structured summary of the regulatory route (e.g. e-money institution, payment institution, acquirer sponsorship, or a passporting arrangement), the evidence already on file, and the gaps still open.
  • Certificate readiness checklists — a concrete list of what needs to be true before a card scheme, network or partner bank will issue or renew a certificate (PCI attestation, QSA reports, penetration test summaries, business continuity plans).
  • Sandbox and production technical parameters — API base URLs, key pairs, client identifiers, webhook signing secrets, and IP ranges to allow-list, delivered through a secure channel rather than email.
  • Protected connection tests — DNS resolution checks, TLS handshake verification (including cipher suite and certificate chain validation), and authenticated HTTP round-trips against the sandbox before any production traffic is attempted.
  • Change and renewal tracking — reminders and support ahead of certificate expiry, scheme mandate changes, or re-authorization windows so nothing lapses silently in production.

How the workflow runs

  1. Intake. You open a request describing the processor, the payment rails involved (cards, SEPA, open banking, wallets, etc.) and whether the processor is a Pay Engineers build or an external one you want us to help you connect to.
  2. Triage. Our compliance analysts review the request against known requirements for that rail and jurisdiction, and flag any missing prerequisites (see the Prerequisites section of this resource center).
  3. Analysis. We map the regulatory and technical requirements to a concrete deliverable list, and start collecting or generating the artifacts — this is usually the longest phase because it may involve third parties such as card networks, banking partners or licensing authorities.
  4. Delivery. Technical parameters are published to your account, and — where relevant — we run the protected connection tests with you so both sides can see the same green checkmarks before go-live.
  5. Handover. A closing summary documents what was delivered, what remains the client's responsibility (e.g. ongoing PCI scope maintenance), and any renewal dates to track.

Who is involved

A typical case involves a compliance analyst on our side, a nominated technical contact on yours (see the submission checklist for what we ask from that person), and — depending on the rail — a representative from the card network, bank or licensing body. We manage those external relationships so your team is not chasing multiple parties directly.

What "done" looks like

A request is considered complete when: the technical parameters are marked Available in your dashboard, the protected connection tests pass against the target environment, and any outstanding regulatory conditions have been logged with their own tracked due dates. Nothing is silently closed — you will always see a final status and a paper trail you can hand to auditors.

Related resources

If you are about to start a request, read the Submission checklist first — it will save you at least one round of "additional information requested." If you have already opened a case and want to know what a given status means, see the FAQ: what each status means article. Once your technical parameters are published, the Developer documentation section has language-specific samples for calling the sandbox and production endpoints from PHP, Laravel, Node.js, Java, Python and .NET.