Payments, RPAA-registered fast.

If you move funds for others, e-Transfers, cards, or wallets, the RPAA and FINTRAC both apply. We recently got one of our clients RPAA-registered in as little as four months, which is unheard of. We’ll do the same for you.

See pricing Free readiness check

We recently got a client RPAA-registered in 4 months

A recent win, well ahead of the market.

Why payment processors businesses choose us

100% MSB approval guarantee, or your money back
Direct, known relationships with FINTRAC
Up to 50% below typical consultant fees
A named CCO who knows your sector

How we help payment processors businesses

One team, from registration to fully compliant

Get RPAA-registered, fast

We build and submit your RPAA registration to the Bank of Canada and guarantee your application is in-scope and that we answer every regulator question. We recently got one of our clients registered in as little as four months.

A dedicated Chief Compliance Officer

We become your named, fractional CCO, running your AML program day to day for a fraction of a full-time hire. Ongoing advisory, reporting, and audit-readiness, without another salary on payroll.

Handle FINTRAC too

Most PSPs also carry FINTRAC obligations. We register your MSB where required, with a 100% approval guarantee, and build one compliance program that covers both regimes.

The reality for payment processors businesses

Your challenges, solved

The challenges you face

RPAA registration is now mandatory

Full Bank of Canada supervision began September 8, 2025. You must be registered before you perform retail payment activities.
Safeguarding and incident rules bite

The RPAA demands end-user fund safeguarding and fast incident reporting, with real consequences for gaps.
FINTRAC applies too

Most PSPs also carry MSB obligations. That’s two regimes on one business.
The AML workload is a lot to handle

Between the RPAA and FINTRAC, the full weight of AML, reporting, safeguarding, monitoring, and oversight, is a lot for any PSP to carry alone.

How Comply North helps

RPAA-registered, fast

We build and submit your Bank of Canada registration and guarantee it’s in-scope. We recently got one of our clients registered in as little as four months.
Safeguarding and RMIR built in

Fund-safeguarding and risk-management and incident-response frameworks that meet RPAA expectations.
One program for both regimes

FINTRAC and RPAA covered by a single, coherent compliance program.
We carry the AML workload

A named CCO and one team running both regimes day to day, so the full AML burden isn’t on you.

All of it at a fraction of the cost, usually up to 50% below other consultants.

See pricing

What you’ll walk away with

A registered, defensible, bank-ready compliance operation, run by experts, so you can get back to running your business.

Talk to an expert

RPAA registration with the Bank of Canada
FINTRAC MSB registration where it applies
Safeguarding and incident-response frameworks in place
A dedicated CCO across both regimes

FAQ

Payment Processors compliance questions

Do payment processors need to register under the RPAA?

Yes. If you perform retail payment activities, you must register with the Bank of Canada under the RPAA. Full supervision began September 8, 2025, and you must be registered before you operate.

How fast can you get us RPAA-registered?

Timelines vary, but we recently got one of our clients registered in as little as four months. We guarantee your application is in-scope and that we answer every Bank of Canada question.

Do payment processors also need FINTRAC registration?

Often yes. Most PSPs also carry MSB obligations. We build one compliance program that covers both the RPAA and FINTRAC.