• Understanding PSD2 and Strong Customer Authentication (SCA)

  The Payment Services Directive 2 (PSD2) is a European regulation designed to enhance the security of electronic payments and better protect consumers. This directive was introduced in 2019. What Is Strong Customer Authentication (SCA)? SCA, as required by PSD2, strengthens security by mandating a verification process for accessing accounts and making payment transactions. This process requires at least two of the following three authentication factors: Something you know: A passWenig Leser

• Strong customer authentication (SCA) on mobile

  Introduction SCA (Strong Customer Authentication) is a security step required by law for online payments. To make this easy and secure, you’ll need to link your phone to Spendesk (this is called mobile enrollment). When you make payments, you’ll simply confirm them on your phone—keeping your money safe and your account protected. Check out our SCA article for more legal context! Secured mWenig Leser

• KYC for Associations - required document and process

  We are legally required [articles L.561-5 et R.561-5-4 du CMF] to collect information on the association and its legal representatives. Business information provided will help us verify that the association exists, has a legit activity & a consistent usage of our platform. Information on the legal representatives will help us identify and verify the identity of the persons that have some control over the association via legal authority. Required documents for KYC Association's **certiWenig Leser

• Our legal notice

  The website www.spendesk.com is edited by the French company Spendesk SAS: Address: 7 Rue de Madrid, 75008 Paris. France Phone number: +33 1 82 88 38 60 Email : hello@spendesk.com Capital: 326.052,54 euros Registration number: 821 893 286 R.C.S Paris Publication director: Rodolphe Ardant Web hosting: Amazon Web Services EMEA SARL, 38 Avenue John F. Kennedy, L-1855, LuxembourWenig Leser

• Spendesk GDPR policy

  You'll find all the related GDPR information in our revised Privacy Policy to make our data treatments transparent to you. ​ We also made important implementations and reinforced our internal processes to improve your control over your personal information, allow you to opt-out from specific cookie tracking, and offer you a more secure experience on Spendesk. Have some feedback you'd like to share? Of course, we care about your thoughtsWenig Leser

• A short introduction to the difference between Spendesk and a bank

  Why is Spendesk different from a traditional banking institution? Spendesk is a Spend Management solution that: through its division Spendesk Financial Services, a payment institution licensed by the ACPR in France, allows customers in the EU Market to maintain a payment account and use payment solutions, including card and wire payments. through its partnership with Adyen, a UK-based Credit institution, allows UK customers to also hold a payment account and use payment sWenig Leser

• KYC review - what is it ?

  Some information about KYC What does KYC mean? When you are opening a new account at a bank or a payment institution, you might learn about something called KYB. KYB stands for Know Your Business. It is a regulatory and legal requirement for banks and other related institutions to identify and verify the identity of their clients. The term can then also be used by customers to denote their own similar processes Know Your Customer (KYC). Banks undertake such processes to **coWenig Leser

• Legal framework : secure your access to Spendesk

  Why are we securing your access? Legal framework A nWenig Leser

• KYC for Companies - required document and process

  We are legally required [articles L.561-5 et R.561-5-4 du CMF] to collect information on the company, its legal representatives & its beneficial owners. Business information provided will help us verify that the company exists, has a legit activity & a consistent usage of our platform. Information on the legal representatives & beneficial owners will help us identify and verify the identity of the persons that have some control over the company via ownership or legal authority. RequiredWenig Leser

• Download a confirmation of balance

  Every year, auditors reach out to obtain a balance confirmation of your Spendesk account or entity account. This document (example here) is usually requested to confirm your balance on December 31st, but it can also be on another date. To avoid any delay in handling this request, we now enable AOs and controllers to download a confirmation of balance from Spendesk! Balance confirmation documents are eleWenig Leser

• FAQ - our KYC process

  As a Spendesk customer / entity, you might be undergoing a periodic review or an onboarding collect of documents. We have tried to recap a few questions on this process and their answers! General questions What are the different reasons for which a collect of documents might be required? | Periodic reviews, for entities who have already been validated and are already using Spendesk. These are mandatory, and required by our banking partner.Upgrade to a new banking partner or to SpendesWenig Leser