Real-Time Payment Screening

Screen transactions in real time to identify sanctions exposure, jurisdictional risk, and prohibited activity before payments are completed.

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Real-Time Payment Screening for Sanctions and Financial Crime Risk

Facctum monitors payments as they are processed, applying sanctions, watchlist, and jurisdictional screening to support compliant, uninterrupted transaction flows.

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Payment Screening In Progress..

Sanctions

PEP

Adverse Media

Maria Gonzales
Transaction Record
Under Review
Sanctions List:
UK Parliament Database
Region:
United Kingdom
Daniel Carter
Payment Blocked
Flagged
Sanctions List:
OFAC Consolidated List
Region:
United States
Sophie Lee
Risk Alert
Potential Match
Sanctions List:
Reuters Media Index
Region:
Singapore
Ahmed Noor
Payment Cleared
Cleared
Entity ID:
89324715
Region:
United Arab Emirates
Maria Gonzales
Transaction Record
Under Review
Sanctions List:
UK Parliament Database
Region:
United Kingdom
Daniel Carter
Payment Blocked
Flagged
Sanctions List:
OFAC Consolidated List
Region:
United States
Sophie Lee
Risk Alert
Potential Match
Sanctions List:
Reuters Media Index
Region:
Singapore
Ahmed Noor
Payment Cleared
Cleared
Entity ID:
89324715
Region:
United Arab Emirates
Maria Gonzales
Transaction Record
Under Review
Sanctions List:
UK Parliament Database
Region:
United Kingdom
Daniel Carter
Payment Blocked
Flagged
Sanctions List:
OFAC Consolidated List
Region:
United States
Sophie Lee
Risk Alert
Potential Match
Sanctions List:
Reuters Media Index
Region:
Singapore
Ahmed Noor
Payment Cleared
Cleared
Entity ID:
89324715
Region:
United Arab Emirates
Maria Gonzales
Transaction Record
Under Review
Sanctions List:
UK Parliament Database
Region:
United Kingdom
Daniel Carter
Payment Blocked
Flagged
Sanctions List:
OFAC Consolidated List
Region:
United States
Sophie Lee
Risk Alert
Potential Match
Sanctions List:
Reuters Media Index
Region:
Singapore
Ahmed Noor
Payment Cleared
Cleared
Entity ID:
89324715
Region:
United Arab Emirates

Analyse

Payment Screening

Screen payment counterparty details, beneficiary information, originator data, and associated payment fields against sanctions lists, PEP databases, and jurisdiction-specific watchlists to identify potential financial crime risks.

Real-Time

Sanctions Screening

Cross-Border Screening

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What Makes Facctum Different?

Facctum is designed to integrate into existing compliance stacks while giving teams greater control over data, screening workflows, and decisioning.

Decoupled Watchlist Data

Manage sanctions and risk lists independently from screening engines, and export clean, consistent data into any customer or payment screening system you already use.

Book a Demo

Integrated List Management Across Screening

Watchlist updates automatically propagate across customer and payment screening workflows, ensuring consistency without manual intervention.

Book a Demo

Flexible Screening Modes

Support real-time screening, ongoing monitoring, and batch rescreening for both customers and payments, all configurable to your internal policies and risk appetite.

Book a Demo

Decoupled Watchlist Data

Manage sanctions and risk lists independently from screening engines, and export clean, consistent data into any customer or payment screening system you already use.

Book a Demo

Integrated List Management Across Screening

Watchlist updates automatically propagate across customer and payment screening workflows, ensuring consistency without manual intervention.

Book a Demo

Flexible Screening Modes

Support real-time screening, ongoing monitoring, and batch rescreening for both customers and payments, all configurable to your internal policies and risk appetite.

Book a Demo

Decoupled Watchlist Data

Manage sanctions and risk lists independently from screening engines, and export clean, consistent data into any customer or payment screening system you already use.

Book a Demo

Integrated List Management Across Screening

Watchlist updates automatically propagate across customer and payment screening workflows, ensuring consistency without manual intervention.

Book a Demo

Flexible Screening Modes

Support real-time screening, ongoing monitoring, and batch rescreening for both customers and payments, all configurable to your internal policies and risk appetite.

Book a Demo

Built for Global Payment Screening at Scale

Facctum manages sanctions and risk list data across jurisdictions, enabling consistent, governed screening for high-volume and cross-border payment flows.

Global Sanctions Lists
PEP Lists
Jurisdiction Rules
Regional Watchlists
Transaction Attributes
Internal Risk Lists
Incremental Updates
Real-Time Processing
High-Volume Flows
Multi-Jurisdiction Lists
Cross-Border Payments

Incremental Updates
Real-Time Processing
High-Volume Flows
Multi-Jurisdiction Lists
Cross-Border Payments

What Is Payment Screening in AML Compliance?

Payment screening is the process of analysing transactions in real time or batch to identify potential sanctions exposure, prohibited parties, and regulatory risk before settlement or execution.

Screening Transactions Against Sanctions and Risk Lists

Payment screening involves checking transaction participants, messages, and attributes against sanctions lists, PEP data, and internal risk lists before funds are released.

Supporting Real-Time and Batch Payment Workflows

Effective payment screening supports both real-time transaction flows and batch processing environments without introducing unnecessary delays or operational disruption.

Why Payment Screening Matters for Compliance

Payment screening is not only about blocking prohibited transactions. It is about ensuring that every payment decision is accurate, consistent, and defensible under regulatory review.

Sanctions Risk

Preventing Sanctions Breaches

Regulators expect institutions to identify sanctioned parties before funds are transferred, not after settlement has occurred.

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Sanctions Risk

Preventing Sanctions Breaches

Regulators expect institutions to identify sanctioned parties before funds are transferred, not after settlement has occurred.

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False Positives

Reducing Disrupted Payments

Poor data quality and inconsistent matching logic increase false positives, delaying legitimate payments and increasing operational cost.

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False Positives

Reducing Disrupted Payments

Poor data quality and inconsistent matching logic increase false positives, delaying legitimate payments and increasing operational cost.

Speak to the Team

Operation

Maintaining Payment Flow Efficiency

Clean, structured data enables faster screening decisions and reduces manual intervention in high-volume payment environments.

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Operation

Maintaining Payment Flow Efficiency

Clean, structured data enables faster screening decisions and reduces manual intervention in high-volume payment environments.

Speak to the Team

See Solution In Action

Explore the Payment Screening Toolkit

Open each module to see how Facctum screens transactions in real time, reduces false positives, and supports regulatory-ready payments.

Real-Time Screening

Sanctions Filtering

Fuzzy Matching

Payment Screening Modules

6 projects

Hover to explore

How Payment Data Moves Through Facctum

Watchlist management is not a single action. Facctum applies structured controls across ingestion, enrichment, governance and readiness so downstream screening systems rely on trusted data.

Ingest Payment Messages

Facctum ingests payment data from core banking systems, payment hubs, and messaging platforms, handling structured and semi-structured formats at scale.

Normalise Transaction Fields

Transaction participants, names, and identifiers are standardised into consistent formats to support reliable screening across systems.

Enrich Risk Attributes

Payment records are enriched with relevant attributes required for sanctions, PEP, and internal risk screening.

Apply Screening and Matching

Facctum applies configurable matching and scoring logic to compare transactions against sanctions and risk sources.

Maintain Continuous Updates

Watchlists are continuously updated as source data changes, ensuring screening systems always operate on the most recent information.

Generate Screening Outcomes

Screening outcomes are produced with clear match scores and flags to support consistent review and decisioning.

Record Decisions and Audit Logs

All screening outcomes and decisions are recorded with full audit trails to support regulatory review.

How Payments Are Screened Against Sanctions and Watchlists

Facctum screens payment parties and payment details in real time against global sanctions lists, PEP databases, and internal watchlists to identify potential financial crime risk before a transaction is processed.

Payment Parties

Payment Details

Sanctions Matches

PEP Matches

Watchlist Matches

Screening Decision

Get Started With Payment Screening Software

Facctum’s payment screening platform helps institutions screen transactions against clean, accurate, and regulator-ready data while maintaining operational efficiency.

Request a Demo

Payment Screening FAQs

Quick answers to your compliance questions.

What Is Payment Screening in AML?

How Does Facctum Support Payment Screening Accuracy?

Can Facctum Support Real-Time Payment Screening?

How Does Facctum Reduce False Positives in Payment Screening?

How Does Facctum Support Regulatory Audit for Payments?