Meet our new partner: ComplyPay – Automated payouts and compliance for platforms

The payments landscape in Europe is continuously evolving. New rules keep stacking up – PSD2, DAC7, and the upcoming PSD3 – each with its own set of hoops to jump through. And while all that is going on, platforms need to send money out to their merchants and service providers in a way that feels instant, clear, and headache-free.

That’s why we’re excited to announce our new partnership with ComplyPay, a licensed EU payment institution built to automate payouts and streamline compliance across Europe.

Here’s how this partnership works, who it benefits, and why it’s a game-changer for any platform handling multi-vendor payouts.

Why we partnered with ComplyPay

Our customers, especially digital platforms and marketplaces, often encounter challenges when scaling vendor payouts:

• Ensuring PSD2 compliance when initiating payments
• Managing DAC7 reporting obligations across multiple jurisdictions
• Needing a wallet-based infrastructure to control the payout flow
• Handling multi-currency transfers, reconciliation, and traceability

ComplyPay is the perfect fit for platforms that need a dedicated backend layer for compliant, programmable payouts.

ComplyPay is a Danish fintech regulated by the Danish Financial Supervisory Authority (FTID: 22043). Their infrastructure is designed from the ground up to manage wallet-to-wallet transfers, split payments, conditional logic, and compliance automation – all exposed via simple APIs. In short, they make distribution just as smooth as Montonio makes acquisitions.

ComplyPay was built to take the pain out of payouts and compliance for digital platforms

– Banking Circle

Together, we now provide an end-to-end embedded finance stack for platforms: from customer checkout to regulatory-compliant vendor settlement.

What ComplyPay brings to the table

ComplyPay offers a fully API-driven payment backend that powers:

• Split payments
• Escrow & conditional flows
• Wallet infrastructure
• Instant payouts
• Embedded compliance

This tech stack is not just powerful, it’s forward-looking. With PSD3 on the horizon (set to tighten the use of commercial agent exemptions), platforms that used to rely on looser interpretations of “money handling” will be under closer regulatory scrutiny. ComplyPay prepares you now – not later.

PSD3 will tighten exemptions and demand even clearer segregation of funds and licensed handling. Platforms should act before being forced to.

– European Central Bank

3. Who this partnership is for

Our joint solution is designed for a very specific type of business – and that’s a good thing.

Here’s who gets the most out of it:

Platform profiles:

• Marketplaces (product or service-based)
• SaaS platforms that connect multiple parties
• Gig economy apps or aggregator platforms
• B2B2C services with vendor networks
• Companies with EU-based users and vendors

What these platforms have in common:

• Automated payout flows
• API-native systems
• Regular, recurring vendor settlements
• Cross-border transactions
• Need for regulatory clarity

This partnership is not about “just processing payments” – it’s about owning your money flow, staying compliant, and scaling with confidence.

4. Key benefits for platforms using Montonio + ComplyPay

Let’s break down the value of the integration for platforms.

Seamless Infrastructure

Montonio handles customer checkout and payments. ComplyPay takes over once the money lands: routing it programmatically, according to platform-specific needs.

Regulatory Peace of Mind

Both platforms are built with compliance by design. This means:

• No more worries about unauthorised money handling
• No internal team chasing DAC7 filings
• No scramble to retrofit for PSD3 exemptions

Vendor Experience

Vendors get fast, clear payouts, including SEPA Instant. They get full transparency via wallet views and audit trails.

Cost and time savings

Manually filing DAC7 reports, building internal payout systems, or applying for your own license could cost hundreds of thousands:

• €60K+ fine for non-compliance 
• €300K+ to get a payment license 
• €100K+ annual savings on payment ops with ComplyPay

5. Use case: Automating DAC7 and PSD2 compliance for vendor payouts

Let’s say you’re a growing marketplace operating in multiple EU countries. You’ve onboarded hundreds of vendors. Every month, you pay them – and every year, you must report these transactions under DAC7.

This means:

• Collecting legal entity data
• Aggregating transaction volumes
• Validating reporting thresholds (e.g., 30+ sales or €2,000+ revenue)
• Formatting XML files
• Submitting to tax authorities in each relevant country

Platforms face a significant administrative load under DAC7. The directive requires precise, structured reporting and proper seller due diligence.”

– Bloomberg Tax Pro

With Montonio + ComplyPay:

• Montonio guarantees a smooth payment experience for your customers
• ComplyPay guarantees transactions to vendors and for the platform, via wallet flows
• DAC7 reports can be easily generated
• PSD2 obligations are covered under ComplyPay’s license

You focus on growing the platform – not managing spreadsheets or tax files.

6. How the integration works: Onboarding to settlement

Here’s what the flow looks like:

1. Vendor onboarding – ComplyPay provides tools for new vendor onboarding and verification.
2. Checkout & collection – Customers pay via Montonio.
3. Wallet routing & split – ComplyPay splits funds according to business logic.
4. Settlement & payout – Instant or scheduled payouts via SEPA instant
5. Reporting & compliance – DAC7 data is tracked and validated

All of this is handled through simple integrations.

7. What’s next for Montonio merchants

If you’re already a Montonio platform client – or are exploring embedded finance capabilities – this partnership opens new doors:

• Offer compliant payouts from day one
• Expand to new EU markets without worrying about regulation
• Future-proof your model before PSD3 creates blockers

The best part? No need to build a payment institution from scratch. You get the benefits of a licensed infrastructure without the overhead.

Ready to get started?

If you’re building or scaling a platform that manages vendor payouts – especially in the EU – Montonio + ComplyPay is the fastest way to ensure:

• Full PSD2/DAC7/PSD3 compliance
• Lightning-fast vendor payments
• Transparent wallet architecture
• Automated reporting
• Happy vendors and regulators

Reach out to our sales team at sales@montonio.com and automate your payouts and compliance.