Cashflows, an industry-leading payments platform, wanted to distinguish itself from its competitors by providing a fast and seamless onboarding experience whilst adhering to the highest compliance standards.

“To maximise our payment success across the digital economy, we need technology partners that share our values and truly understand our challenges. The flexibility of NorthRow’s platform and API enables us to deploy the right services for our business without compromising our control framework policies.”

Stuart Cronin

Head of Risk Operation at Cashflows

Cashflows Payments AML checks


Authorised to do business as an Electronic Money Institution in 2011, Cashflows' solutions enable businesses to accept multi-channel payments from all major card schemes and to issue innovative prepaid products to their customer base. Cashflows is regulated by the UK FCA as a payment solutions provider and are a principal member of Visa, Mastercard and other international card schemes.

With a fast-growing customer base, Cashflows’ recognised the need for a seamless digital onboarding experience to meet customer expectations and regulatory demands.

Key benefits

Helping Cashflows to reduce time to revenue and improve their customer experience.

Fully customisable for relevance

Streamlined processes

Simple integration with existing tools.

Monitor clients in real-time

Reduced time to revenue

Significant reduction in onboarding times.

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Improved experiences

Delivering more efficient onboarding.

The Challenge

Complex and resource-hungry KYC onboarding

In a highly competitive market, payment solutions must be fast, secure and meet FCA regulatory compliance obligations. Unfortunately, the compliance requirements and checks that Cashflows needed to fulfil as part of its onboarding process were extraordinarily complex and resource-hungry.

At scale, this was shown to be very ineffective for growth and could have affected Cashflows’ ability to meet future customer demand. They needed a solution that managed the complexity of KYC onboarding for individuals and entities across different sales channels and international markets, whilst offering a seamless client onboarding experience.

How NorthRow Helped

API-driven solution to automate client verification

Given Cashflows’ onboarding challenges, NorthRow was able to configure its automated API driven-solution, to deliver efficient client verification on international companies and individuals, whilst delivering regulatory compliance.

NorthRow’s market-leading solution provides comprehensive verification of company financials, shareholder, and ownership data. All companies and directors are routinely monitored against PEPs and Sanction lists to ensure ongoing AML compliance. In addition, Cashflows are alerted to any changes in company structure, beneficial ownership or directorships, as well as changes requiring re-verification or enhanced due diligence, to ensure 24/7 compliance.

What Now?

Full audit trail from global checks

NorthRow’s solution supported Cashflows’ need to ensure the delivery of extensive global coverage that could operate in all jurisdictions and could support international growth ambitions. The solution’s ability to provide access to a breadth of rich data from a global mix of leading commercial providers, open-source data sets, government bureaux and law enforcement agencies easily met the challenge.

NorthRow’s high-quality data and risk-scoring system, helps Cashflows meet regulatory compliance. In addition, false positives are reduced, and improved risk mitigation enables them to quickly and efficiently identify risk factors before onboarding clients. NorthRow delivers a pass/fail result or refers the result with a detailed report for review, ensuring there is a full audit trail.


"To maximise our payment success across the digital economy we need technology partners that share our values and truly understand our challenges. The flexibility of NorthRow’s platform and API enables us to deploy the right services for our business without compromising our control frameworks and policies."

Stuart Cronin,

Head of Risk Operation


The Cashflows brand was created


Authorised from the FC as an electronic money institution


Awarded a position onto the Fast Track 100 ladder

About NorthRow
Highly secure KYC/B and ID and verification cloud software
With an extensive breadth of experience and leading software solutions, NorthRow helps businesses to successfully onboard new clients and employees. We do this through robust compliance, monitoring and remediation capabilities giving you peace of mind knowing the burden of risk management is taken care of. We unlock more time for you to focus on the single most important task - growing your business safely.

Ready to get started?

Book your free demo of our comprehensive AML compliance solution today.