How MultiSafepay turned scheme compliance into a growth multiplier with Kajo

Company: MultiSafepay, a leading European payment service provider (PSP) and acquirer offering an all-in-one, end-to-end payment solution for online and in-person businesses.

Challenge: Managing a growing volume of payment network mandates across multiple schemes, with updates spread across hundreds of bulletins and a need for greater structure, visibility, and ownership across the compliance function.

Solution: Implementing Kajo as a centralised compliance intelligence platform brought all scheme knowledge into one place, ensuring accuracy in fee estimations and filing. Thanks to automated filtering, Kajo became the digital repository for all scheme knowledge, task history, and audit trails of who reviewed what and why.

Results: Greater governance, reduced key-person dependency, simpler onboarding, and a structured compliance function built to scale with growing mandate volumes.

Key metrics at a glance:

• 100% of Visa and Mastercard bulletins centralised, improving mandate visibility and fee accuracy
• Every mandate tracked, assigned, and audited end-to-end with a full ownership trail
• Compliance scaled to absorb growing mandate volumes without proportional team expansion
• Clear audit trail and task ownership established across all scheme updates

The Challenge: Scaling scheme compliance in a fast-growing business

For a payment service provider operating at MultiSafepay's scale, staying on top of scheme compliance is a strategic priority. Every month, Visa, Mastercard, and other payment networks publish dozens of bulletins containing technical updates, fee changes, and regulatory mandates. As transaction volumes grow, so does the complexity of tracking and implementing those updates accurately and on time.

Compliance structured for scale

For the team responsible for keeping up, scheme bulletins were coming in from multiple networks, and keeping pace with the volume while maintaining accuracy was becoming increasingly difficult.

"Before Kajo, keeping pace meant regularly reviewing scheme bulletins and relying on direct Mastercard and Visa touchpoints to surface the most relevant updates, a process that became harder to sustain as volumes and mandate complexity grew."

As volumes grew, so did the need for a more structured approach, one with clearer ownership, continuity, and a single source of truth for the whole team.

Growing volumes, growing complexity

As MultiSafepay's acquiring business grew, expanding its merchant portfolio and processing volumes, the compliance workload grew with it. More schemes, more bulletins, more regions.

The team recognised that they needed a platform-driven approach, one that would give them better visibility, clearer ownership, and the ability to scale with the business.

The Solution: One platform, full visibility

When MultiSafepay adopted Kajo, the first and most immediate benefit was the most impactful: all Visa and Mastercard bulletins, in one place.

"With Kajo, we have all bulletins from payment networks in one platform. We can filter what's relevant, track where things stand, and assign tasks to the right people."

Kajo gave the compliance team a centralised dashboard where every payment network update could be filtered, tracked, and followed through to completion. Tasks could be assigned to specific users, and the status of every mandate was transparent, not just to the person working on it, but to managers and cross-functional stakeholders.

Kajo has also changed the paradigm of MultiSafepay's compliance function. Where the team once had to piece together mandate status across multiple sources, they now operate ahead of the curve, identifying relevant updates early, assigning them to the right people, and tracking them through to implementation.

In the early days, there was a learning curve with Kajo. But with consistent support from the Rivero team, adoption deepened over time.

"We received a lot of assistance from the Rivero team. By using and consulting the Kajo platform more often, we got comfortable with it. Right now, it's much easier to allocate users to tasks, to manage and follow up on everything."

The Results: Scalability, control & confidence

The impact of Kajo has been both operational and strategic. The most tangible result is a compliance function that operates with clarity and control. Automated filtering and task assignment have significantly reduced the need for manual follow-up across the team.

Where updates were once difficult to oversee at scale, every mandate is now assigned, monitored, and audited end-to-end, giving both the compliance team and management full visibility into what has been reviewed, by whom, and when.

Doing more with the same capacity

As mandate volumes continue to rise, the platform proves its value as a force multiplier, keeping the compliance function firmly ahead of the curve.

"Without Kajo, we would have needed significantly more people to control everything across each scheme and follow changes through until the moment they are technically implemented."

The platform removes the linear relationship between regulatory volume and staffing. MultiSafepay can now absorb a growing mandate load without proportional team expansion, turning compliance into a function built to scale with the business.