With the growing demand for AI-powered platforms and digital services, businesses in this space are handling increasing volumes of sensitive financial data and cross-border payments. The upcoming Payment Services Directive 3 (PSD3) from the European Union introduces new compliance requirements that affect how AI companies manage transactions, customer data, and payment service partnerships. For AI enterprises labeled as high-risk due to their digital nature, compliance with PSD3 is not just a legal obligation, it’s a competitive advantage.
Understanding PSD3: What it means for AI enterprises
AI businesses, especially those handling complex or cross-border transactions, fall squarely into the scope of PSD3. The updated directive brings more than surface-level adjustments, it changes how payments are tracked, verified, and stored.
Expanded compliance scope for high-risk transactions
PSD3 expands the scope of payment services that are regulated in Europe. This means AI companies that previously operated with fewer restrictions may now fall under new scrutiny. Those offering digital wallets, generative content monetization, or AI-powered subscriptions must now ensure strict adherence to transparency and reporting guidelines. Even minor oversights could lead to serious financial penalties or reputational damage.
Stricter requirements for customer verification and recordkeeping
At the heart of PSD3 is a push for improved customer validation and meticulous recordkeeping. Traditional ID checks may no longer suffice. AI companies need to implement secure and automated identity verification methods, along with structured data storage systems that provide accurate audit trails. Failure to document transactions properly could result in compliance failures during audits.
AI businesses, especially those handling complex or cross-border transactions, fall squarely into the scope of PSD3
Transaction oversight and risk mitigation strategies
Under PSD3, monitoring and risk assessment are elevated from good practices to regulatory requirements. AI companies must ensure that every transaction undergoes strict validation.
Advanced transaction monitoring tools
AI businesses need real-time monitoring systems capable of analyzing payment behavior, flagging anomalies, and reducing fraud. PSD3 expects firms to validate each transaction against clearly defined compliance rules. For platforms processing high-volume payments or recurring subscriptions, adopting automated monitoring tools is key to maintaining integrity and speed.
Ongoing risk management and oversight
The regulation encourages businesses to not only react to issues but also proactively prevent them. This means upgrading internal controls and deploying systems that can evolve with the complexity of digital AI transactions. Regular reviews and risk modeling must become routine operations.
Under PSD3, monitoring and risk assessment are elevated from good practices to regulatory requirements
Practical steps for PSD3 compliance in AI companies
Rather than viewing compliance as a one-time effort, AI businesses should embed PSD3 alignment into their long-term strategy. The following steps offer a clear path forward.
Conduct internal audits and process reviews
Start with a detailed evaluation of your payment workflows, customer onboarding processes, and transaction documentation. Identify gaps where current practices may fall short of PSD3 expectations, such as incomplete data logs or a lack of user consent tracking.
Upgrade data management systems
PSD3 requires businesses to maintain accessible, auditable, and encrypted transaction records. Transition to modern data storage platforms that allow you to retrieve, review, and secure payment records quickly and accurately during audits.
Implement robust fraud prevention mechanisms
Invest in tools that not only track transactions but also provide predictive insights using AI and machine learning. Combine these with Strong Customer Authentication (SCA) protocols such as two-factor authentication, dynamic passcodes, or biometric checks to meet both security and user experience expectations.
Train teams and educate stakeholders
Compliance is not just a legal task. It’s an operational mindset. Equip your team with ongoing training sessions to stay updated with regulatory changes and practice applying PSD3 rules in daily work, from dispute resolution to customer interactions.
AI businesses should embed PSD3 alignment into their long-term strategy
Long-term opportunities for AI businesses post-PSD3
While PSD3 introduces stricter oversight, it also opens the door for growth through credibility and stronger infrastructure.
Improved trust and user experience
AI platforms that adopt best practices early will benefit from increased customer trust. Transparent communication about data usage, clear terms, and secure checkout processes can significantly enhance user experience and conversion rates.
Stronger operational frameworks and competitive advantage
High-risk payment handlers who proactively integrate PSD3 standards often see operational improvements. They include fewer chargebacks, faster dispute resolution, and stronger partnerships with banks and payment processors. Over time, these benefits contribute to better resilience and scalability.
While PSD3 introduces stricter oversight, it also opens the door for growth through credibility and stronger infrastructure
Choose GLODIPAY - Payment gateway compliance with PSD3
GLODIPAY stands out as a future-ready payment gateway for AI businesses navigating the regulatory landscape shaped by PSD3. As compliance becomes more demanding, especially for AI businesses, GLODIPAY offers built-in features that align with the directive’s core requirements. GLODIPAY helps AI companies stay audit-ready and compliant without compromising speed or user experience. Its infrastructure supports secure, multi-currency transactions across 173 countries, making it ideal for global operations that must adhere to evolving EU standards.
In addition to PCI DSS compliance, GLODIPAY integrates advanced fraud prevention and real-time monitoring tools that fulfill PSD3’s emphasis on transaction validation and risk management. Businesses can implement 3D Secure, end-to-end encryption, and detailed reporting protocols that support traceability and accountability across all payment flows. For AI platforms dealing with subscriptions and digital content, GLODIPAY not only simplifies compliance but turns it into a competitive advantage. It ensures every transaction meets regulatory expectations while delivering a seamless experience to end users.
GLODIPAY stands out as a future-ready payment gateway for AI businesses navigating the regulatory landscape shaped by PSD3
Compliance with PSD3 is a necessary shift for AI businesses operating in fast-evolving, high-risk digital markets. It demands updated technology, refined internal practices, and smarter collaboration with compliant payment partners. Yet beyond these challenges lies an opportunity: to create more secure, efficient, and transparent platforms that not only meet regulations but exceed expectations. By aligning with PSD3 today, AI companies can build a future-ready foundation for innovation, user trust, and global expansion. Contact GLODIPAY today to get the earliest support for your AI businesses.