Every scheme, every regulator, every audit cycle, handled.

Compliance is a continuous process, not a milestone

The first time your platform gets a scheme letter demanding an action within fourteen days, you realise compliance isn’t a one-off go-live step. Visa publishes roughly 240 operational bulletins a year across AP region alone. Mastercard’s Rule Manual updates quarterly. PCI DSS v4.0 transitions controls until 2028. MAS, BSP, BNM, BOT, BI, SBV, FSC Korea, each publishes its own payment-system regulations in its own language on its own cadence. Reading all of that and doing nothing about it requires a full-time specialist. Acting on it requires a team.

Tap Certify is that team. We read. We triage. We draft. We file. We respond to regulator follow-ups. We keep the evidence library audit-ready. Your engineers don’t see a bulletin, they see a Jira ticket, already scoped, for the one scheme change that needs a code edit.

What Tap Certify covers

How we work with your team

Tap Certify is a managed service with a portal attached, not a portal with humans on call. Every platform customer is assigned a named compliance lead who sits in your Slack and knows your product shape. They surface the things that need your attention, hold back the things that don’t, and handle the long tail of specialist correspondence that would otherwise become your problem.

• Weekly bulletin digest, filtered for things your markets and product actually touch, with a recommended action on each.
• Quarterly control review, a 45-minute readout of what’s changed, what’s been filed, and what needs a decision from you.
• Annual attestation cycle, we prepare every scheme, PCI, and regulator attestation your platform signs; you review and sign.
• Incident response, when something breaks, we handle the scheme and regulator notifications in parallel with your engineering response. One less thing to think about at 3am.

The evidence library

Every filing, every audit report, every scheme attestation, and every piece of regulator correspondence we handle for you lives in a structured, searchable evidence library your compliance team can access at any time. When a customer’s enterprise InfoSec questionnaire lands on your desk asking for your SOC 2 Type II report, your PCI AoC, and your PS Act registration number, three clicks, three PDFs, done. When a scheme auditor calls for a pre-arranged control walk-through in March, every document they’ll ask about is already in the binder.

Why this matters to your board

Two things kill a payment platform: a scheme membership suspension and a central-bank stop-work order. Both are preceded, in almost every case, by documented evidence of missed filings or unresolved bulletin responses. Tap Certify exists because this is the kind of work that looks unimportant right up until the month it’s the only thing that matters, and no platform we’ve ever worked with has regretted outsourcing it to people who do nothing else.