{"id":607,"date":"2026-06-26T10:00:00","date_gmt":"2026-06-26T00:00:00","guid":{"rendered":"https:\/\/nexiant.ai\/resources\/blogs\/?p=607"},"modified":"2026-06-25T12:15:27","modified_gmt":"2026-06-25T02:15:27","slug":"aml-compliance-electronic-payment-institutions-japan","status":"publish","type":"post","link":"https:\/\/nexiant.ai\/resources\/blogs\/aml-compliance-electronic-payment-institutions-japan\/","title":{"rendered":"AML Compliance for Electronic Payment Institutions in Japan: FSA Registration and Obligations"},"content":{"rendered":"\n<style>\n  .nx-blog * { box-sizing: border-box; margin: 0; padding: 0; }\n\n  .nx-blog {\n    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;\n    font-size: 16px;\n    line-height: 1.75;\n    color: #1a1a2e;\n    max-width: 860px;\n    margin: 0 auto;\n  }\n\n  .nx-blog h2 {\n    font-size: 1.55rem;\n    font-weight: 700;\n    color: #00184C;\n    margin: 2.6rem 0 0.8rem;\n    padding-bottom: 0.45rem;\n    border-bottom: 3px solid #073EA1;\n  }\n\n  .nx-blog h3 {\n    font-size: 1.15rem;\n    font-weight: 700;\n    color: #073EA1;\n    margin: 1.5rem 0 0.45rem;\n  }\n\n  .nx-blog h4 {\n    font-size: 0.95rem;\n    font-weight: 700;\n    color: #00184C;\n    margin-bottom: 0.35rem;\n  }\n\n  .nx-blog p { margin-bottom: 1rem; 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margin-bottom: 0.35rem; }\n\n  .nx-sector-card p {\n    font-size: 0.84rem;\n    color: #444;\n    line-height: 1.6;\n    margin-bottom: 0.75rem;\n  }\n\n  .nx-sector-card ul { margin: 0 0 0 1rem; }\n\n  .nx-sector-card li {\n    font-size: 0.8rem;\n    color: #555;\n    line-height: 1.5;\n    margin-bottom: 0.25rem;\n  }\n\n  \/* \u2500\u2500 Tables \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-table-wrap {\n    overflow-x: auto;\n    margin: 1.25rem 0 1.85rem;\n  }\n\n  .nx-table {\n    width: 100%;\n    border-collapse: collapse;\n    font-size: 0.9rem;\n  }\n\n  .nx-table thead tr {\n    background: #00184C;\n    color: #fff;\n  }\n\n  .nx-table th {\n    text-align: left;\n    padding: 10px 14px;\n    font-weight: 600;\n  }\n\n  .nx-table td {\n    padding: 10px 14px;\n    border-bottom: 1px solid #e0e7f5;\n    color: #1a1a2e;\n    vertical-align: top;\n  }\n\n  .nx-table tbody tr:nth-child(even) { background: #f5f8ff; }\n\n  .nx-badge {\n    display: inline-block;\n    font-size: 0.73rem;\n    font-weight: 700;\n    padding: 2px 9px;\n    border-radius: 20px;\n  }\n\n  .nx-badge--red { background: #fde8e8; color: #A30000; }\n  .nx-badge--blue { background: #EEF2FF; color: #073EA1; }\n\n  \/* \u2500\u2500 Service check \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-service-check {\n    display: grid;\n    grid-template-columns: 0.9fr 1.1fr;\n    gap: 14px;\n    margin: 1.5rem 0 1.85rem;\n  }\n\n  .nx-check-card {\n    background: #fff;\n    border: 1px solid #d0daf5;\n    border-radius: 14px;\n    padding: 1.15rem;\n  }\n\n  .nx-check-card h3 { margin-top: 0; color: #00184C; }\n\n  .nx-check-list {\n    list-style: none;\n    margin: 1rem 0 0;\n    padding: 0;\n  }\n\n  .nx-check-list li {\n    display: flex;\n    align-items: flex-start;\n    gap: 10px;\n    font-size: 0.88rem;\n    color: #444;\n    margin-bottom: 0.75rem;\n  }\n\n  .nx-check-list li::before {\n    content: \"\u2713\";\n    flex-shrink: 0;\n    width: 22px;\n    height: 22px;\n    border-radius: 50%;\n    background: #073EA1;\n    color: #fff;\n    font-size: 0.72rem;\n    font-weight: 800;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    margin-top: 2px;\n  }\n\n  \/* \u2500\u2500 Callouts \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-warning-box {\n    border-left: 4px solid #A30000;\n    background: #fff5f5;\n    border-radius: 0 12px 12px 0;\n    padding: 1.1rem 1.25rem;\n    margin: 1.5rem 0;\n  }\n\n  .nx-warning-box strong {\n    display: block;\n    color: #A30000;\n    font-size: 0.8rem;\n    text-transform: uppercase;\n    letter-spacing: 0.07em;\n    margin-bottom: 0.35rem;\n  }\n\n  .nx-warning-box p { margin: 0; font-size: 0.92rem; }\n\n  \/* \u2500\u2500 Readiness stack \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-readiness-stack { margin: 1.5rem 0 1.85rem; }\n\n  .nx-readiness-row {\n    display: grid;\n    grid-template-columns: 95px 1fr;\n    gap: 14px;\n    background: #fff;\n    border: 1px solid #d0daf5;\n    border-radius: 12px;\n    padding: 1rem;\n    margin-bottom: 10px;\n  }\n\n  .nx-readiness-label {\n    background: #073EA1;\n    color: #fff;\n    border-radius: 10px;\n    padding: 0.65rem;\n    text-align: center;\n    font-size: 0.78rem;\n    font-weight: 800;\n    line-height: 1.35;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n  }\n\n  .nx-readiness-row h4 { margin: 0 0 0.25rem; }\n\n  .nx-readiness-row p {\n    margin: 0;\n    font-size: 0.86rem;\n    color: #444;\n    line-height: 1.6;\n  }\n\n  \/* \u2500\u2500 Nexiant panel \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-nexiant-panel {\n    background: linear-gradient(135deg, #00184C 0%, #073EA1 100%);\n    color: #fff;\n    border-radius: 14px;\n    padding: 1.5rem;\n    margin: 1.75rem 0;\n  }\n\n  .nx-nexiant-panel h3 { color: #fff; margin-top: 0; margin-bottom: 0.65rem; }\n  .nx-nexiant-panel p { color: #E7EFFF; }\n\n  .nx-nexiant-links {\n    display: grid;\n    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));\n    gap: 10px;\n    margin-top: 1rem;\n  }\n\n  .nx-nexiant-links a {\n    display: block;\n    background: rgba(255,255,255,0.12);\n    border: 1px solid rgba(255,255,255,0.25);\n    color: #fff;\n    text-decoration: none;\n    border-radius: 10px;\n    padding: 0.75rem;\n    font-size: 0.84rem;\n    font-weight: 700;\n  }\n\n  .nx-nexiant-links a:hover { background: rgba(255,255,255,0.2); }\n\n  \/* \u2500\u2500 Simple card grid \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-grid {\n    display: grid;\n    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));\n    gap: 12px;\n    margin: 1.4rem 0 1.85rem;\n  }\n\n  .nx-card {\n    background: #fff;\n    border: 1px solid #d0daf5;\n    border-radius: 12px;\n    padding: 1.1rem;\n  }\n\n  .nx-card p { margin: 0; color: #00184C; font-size: 0.92rem; }\n\n  \/* \u2500\u2500 FAQ \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-faq { margin: 1.25rem 0 1.85rem; }\n\n  .nx-faq-item {\n    border: 1px solid #d0daf5;\n    border-radius: 8px;\n    margin-bottom: 8px;\n    overflow: hidden;\n  }\n\n  .nx-faq-q {\n    width: 100%;\n    background: #fff;\n    border: none;\n    text-align: left;\n    padding: 1rem 1.25rem;\n    font-size: 0.95rem;\n    font-weight: 600;\n    color: #00184C;\n    cursor: pointer;\n    display: flex;\n    justify-content: space-between;\n    align-items: center;\n    gap: 1rem;\n  }\n\n  .nx-faq-q:hover { background: #f5f8ff; }\n\n  .nx-faq-q .nx-chevron {\n    flex-shrink: 0;\n    width: 20px;\n    height: 20px;\n    border-radius: 50%;\n    background: #EEF2FF;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    transition: transform 0.25s;\n  }\n\n  .nx-faq-q .nx-chevron svg {\n    width: 10px;\n    height: 10px;\n    stroke: #073EA1;\n    fill: none;\n  }\n\n  .nx-faq-q[aria-expanded=\"true\"] .nx-chevron {\n    transform: rotate(180deg);\n    background: #073EA1;\n  }\n\n  .nx-faq-q[aria-expanded=\"true\"] .nx-chevron svg { stroke: #fff; }\n\n  .nx-faq-a {\n    display: none;\n    padding: 0 1.25rem 1rem;\n    font-size: 0.92rem;\n    color: #333;\n    line-height: 1.7;\n    background: #fff;\n    border-top: 1px solid #d0daf5;\n  }\n\n  .nx-faq-a.open { display: block; }\n\n  \/* \u2500\u2500 CTA \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-cta {\n    background: linear-gradient(135deg, #00184C 0%, #073EA1 100%);\n    border-radius: 14px;\n    padding: 2rem;\n    text-align: center;\n    margin-top: 2.5rem;\n  }\n\n  .nx-cta h3 {\n    color: #fff;\n    font-size: 1.3rem;\n    font-weight: 700;\n    margin-bottom: 0.5rem;\n  }\n\n  .nx-cta p {\n    color: #AEC9FF;\n    font-size: 0.95rem;\n    margin-bottom: 1.25rem;\n  }\n\n  .nx-cta a {\n    display: inline-block;\n    background: #E11A1A;\n    color: #fff;\n    font-weight: 700;\n    font-size: 0.95rem;\n    padding: 0.7rem 1.8rem;\n    border-radius: 6px;\n    text-decoration: none;\n    transition: background 0.2s;\n  }\n\n  .nx-cta a:hover { background: #A30000; }\n\n  \/* \u2500\u2500 Misc \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n  .nx-divider {\n    border: none;\n    border-top: 1px solid #e0e7f5;\n    margin: 2rem 0;\n  }\n\n  .nx-disclaimer {\n    font-size: 0.8rem;\n    color: #888;\n    font-style: italic;\n    text-align: center;\n    margin-top: 1.5rem;\n  }\n\n  @media (max-width: 760px) {\n    .nx-summary-panel,\n    .nx-path-grid,\n    .nx-scope-strip,\n    .nx-service-check { grid-template-columns: 1fr; }\n\n    .nx-readiness-row { grid-template-columns: 1fr; }\n\n    .nx-grid { grid-template-columns: 1fr; }\n  }\n<\/style>\n<div class=\"nx-blog\">\n<div class=\"nx-hero\">\n  <span class=\"nx-tag\">AML Guide &nbsp;\u00b7&nbsp; June 2026 &nbsp;\u00b7&nbsp; RegTech<\/span>\n  <p class=\"nx-meta\">Japan&#8217;s approach to regulating electronic payment infrastructure for AML\/CTF purposes has evolved materially since 2022.<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Core_AMLCTF_Obligations_for_Registered_Electronic_Payment_Institutions\"><\/span>Core AML\/CTF Obligations for Registered Electronic Payment Institutions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Registered electronic payment service providers are specified business operators under the APTCP. Their AML\/CTF obligations follow the same structural framework as banks:<\/p>\n<p>Customer Due Diligence<\/p>\n<p>Identity verification at account opening and at prescribed transaction trigger points. For consumer platforms, this means verification at the point of account creation, with enhanced verification for higher-value or higher-risk transactions. For business-to-business payment platforms, this includes beneficial ownership verification for corporate customers.<\/p>\n<p>Ongoing Transaction Monitoring<\/p>\n<p>Transaction monitoring calibrated to the platform&#8217;s specific risk profile \u2014 taking into account the transaction velocity, anonymity characteristics, and cross-border exposure of digital payment transactions. The risk profile of a domestic BNPL product with average transaction values below \u00a550,000 and a verified consumer base is materially different from a cross-border payment aggregator processing \u00a5500,000 business payments. The monitoring programme must reflect that difference.<\/p>\n<p>Suspicious Transaction Reporting<\/p>\n<p>STR filing with JAFIC under Article 9 of the APTCP where transactions give rise to reasonable suspicion of criminal proceeds or terrorism financing. For high-volume payment platforms, the practical requirement is automated monitoring that identifies reportable activity at scale \u2014 manual review at digital payment volumes is not operationally viable.<\/p>\n<p>Record-Keeping<\/p>\n<p>Retention of CDD records, transaction records, monitoring records, and STR documentation for the prescribed periods. Record-keeping must be at the transaction level \u2014 aggregate platform-level records do not satisfy APTCP Article 8 requirements.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Technology_Requirements_Why_Manual_Processes_Are_Not_Viable\"><\/span>Technology Requirements: Why Manual Processes Are Not Viable<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Digital payment platforms process transactions at volumes and velocities that make manual compliance processes structurally inadequate from day one. The compliance infrastructure requirement for registered electronic payment institutions therefore starts from a technology architecture foundation, not a manual process foundation:<\/p>\n<ul><li>API-native compliance integration: the compliance platform must integrate directly with the payment processing infrastructure through APIs, not operate on periodic batch exports. A BNPL platform processing 50,000 transactions per day cannot run compliance screening as a daily batch process \u2014 the transaction is long settled by the time the batch runs.<\/li><li>Real-time PEP and sanctions screening at transaction initiation: screening must execute at the point of each payment transaction, before the transaction is processed, not retrospectively.<\/li><li>Scalable monitoring architecture: transaction monitoring must operate at payment platform transaction volumes without performance degradation as the business grows \u2014 from early-stage to licensed and regulated.<\/li><li>Transaction-level audit trail: each screening event must be recorded at the individual transaction level. Aggregate reporting \u2014 &#8216;X transactions screened this month, Y results&#8217; \u2014 does not satisfy APTCP record-keeping requirements. Each transaction must have its own compliance record.<\/li><\/ul>\n\n<hr class=\"nx-divider\">\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"nx-faq\">\n<div class=\"nx-faq-item\">\n  <button class=\"nx-faq-q\" aria-expanded=\"false\">Which electronic payment service providers must comply with Japan&#8217;s AML\/CTF obligations?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n  <div class=\"nx-faq-a\">Electronic payment instrument service providers (including yen-pegged stablecoin handlers), registered funds transfer service providers across all three tiers, and settlement intermediaries and payment aggregators meeting specified thresholds under the June 2026 PSA amendment.<\/div>\n<\/div>\n<div class=\"nx-faq-item\">\n  <button class=\"nx-faq-q\" aria-expanded=\"false\">Do the same AML\/CTF obligations apply to a BNPL platform as to a bank?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n  <div class=\"nx-faq-a\">The structural framework is the same \u2014 CDD, transaction monitoring, STR reporting, and record-keeping under the APTCP \u2014 but calibration should reflect the platform&#8217;s specific risk profile. A domestic BNPL platform has a different risk profile from a cross-border payment aggregator; the programme must reflect that difference.<\/div>\n<\/div>\n<div class=\"nx-faq-item\">\n  <button class=\"nx-faq-q\" aria-expanded=\"false\">What does the June 2026 PSA amendment effective date mean for payment intermediaries?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n  <div class=\"nx-faq-a\">The 2025 PSA amendment brought a new category of crypto-asset and payment intermediaries within the regulatory framework. Compliance obligations commenced on the effective date \u2014 retrospective compliance from a later date is not acceptable to the FSA.<\/div>\n<\/div>\n<div class=\"nx-faq-item\">\n  <button class=\"nx-faq-q\" aria-expanded=\"false\">Why is manual compliance not viable for digital payment platforms?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n  <div class=\"nx-faq-a\">Digital payment platforms process transactions at volumes \u2014 tens or hundreds of thousands per day \u2014 that exceed the capacity of any manual compliance process. By the time a daily batch review is completed, transactions are long settled and STR filing windows may have been missed.<\/div>\n<\/div>\n<div class=\"nx-faq-item\">\n  <button class=\"nx-faq-q\" aria-expanded=\"false\">What technology integration is required for AML compliance at an electronic payment institution?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n  <div class=\"nx-faq-a\">Required capabilities include: API-native integration with payment processing infrastructure, real-time PEP and sanctions screening at transaction initiation, scalable monitoring at platform transaction volumes, and a transaction-level audit trail recording each individual screening event.<\/div>\n<\/div>\n<\/div>\n<div class=\"nx-cta\">\n  <h3>AML Compliance for Electronic Payment Institutions Japan | Nexiant<\/h3>\n  <p>Japan&#8217;s 2022 PSA amendment and June 2026 effective date brought electronic payment service providers within AML\/CTF obligations mirroring those of banks. A guide for BNPL, e-money, and payment processors.<\/p>\n  <a href=\"https:\/\/nexiant.ai\/contact-us\/\">Speak to our team<\/a>\n<\/div>\n<p class=\"nx-disclaimer\">This article was accurate at the time of publication in June 2026 and is intended for general informational purposes only. It does not constitute legal, regulatory or compliance advice. Organisations should seek qualified professional guidance in relation to their specific obligations.<\/p>\n<\/div>\n<script>\n  document.querySelectorAll('.nx-faq-q').forEach(function(btn) {\n    btn.addEventListener('click', function() {\n      var expanded = this.getAttribute('aria-expanded') === 'true';\n      this.setAttribute('aria-expanded', String(!expanded));\n      this.nextElementSibling.classList.toggle('open', !expanded);\n    });\n  });\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which electronic payment service providers must comply with Japan's AML\/CTF obligations?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Electronic payment instrument service providers (including yen-pegged stablecoin handlers), registered funds transfer service providers across all three tiers, and settlement intermediaries and payment aggregators meeting specified thresholds under the June 2026 PSA amendment.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do the same AML\/CTF obligations apply to a BNPL platform as to a bank?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The structural framework is the same \u2014 CDD, transaction monitoring, STR reporting, and record-keeping under the APTCP \u2014 but calibration should reflect the platform's specific risk profile. 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Compliance obligations commenced on the effective date \u2014 retrospective compliance from a later date is not acceptable to the FSA.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Why is manual compliance not viable for digital payment platforms?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Digital payment platforms process transactions at volumes \u2014 tens or hundreds of thousands per day \u2014 that exceed the capacity of any manual compliance process. 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This guide covers who is regulated, core obligations, and why manual compliance processes are not viable for digital payment volumes.<\/p>\n","protected":false},"author":2,"featured_media":643,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_aioseo_title":"AML Compliance for Electronic Payment Institutions Japan | Nexiant","_aioseo_description":"Japan's 2022 PSA amendment and June 2026 effective date brought electronic payment service providers within AML\/CTF obligations mirroring those of banks. 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