How StreamPayments turned Visa and Mastercard compliance into one workstream

Company: StreamPayments, based in Sofia and Barcelona, is a paytech company that helps businesses accept card payments and manage payment operations.

Challenge: Keeping pace with a high volume of Visa and Mastercard updates, assessing which changes matter to StreamPayments’ portfolio, and coordinating action across multiple deadlines and stakeholders.

Solution: Kajo brought relevant Visa and Mastercard publications into a centralised compliance workspace, tailored to StreamPayments’ portfolio and structured to support follow-through from review to action.

Results: Earlier awareness of relevant mandates, greater confidence that important changes are being tracked, and a more structured way to manage scheme compliance as complexity grows.

Key metrics at a glance:

• Relevant Visa and Mastercard publications brought together in one workspace
• Updates filtered and tailored to StreamPayments’ portfolio
• Better visibility of requirements and “comply-by” dates
• More time to assess operational impact and coordinate action
• A fast rollout without a lengthy implementation project

One workstream for an increasingly complex compliance landscape

For a paytech company operating across Visa and Mastercard in multiple countries, staying current with scheme changes is a core operational responsibility. Each scheme publishes updates on its own cadence and in its own format. A single publication can introduce technical, operational, reporting, or monitoring requirements, often involving several internal stakeholders and a defined implementation deadline.

Managing that process well takes more than reading individual updates. Teams need to determine what is relevant to their business, understand the implications, track key dates, and coordinate the appropriate actions.

For StreamPayments, information relating to scheme changes was available through established industry and partner channels. The challenge was turning updates from across the payments ecosystem into a consistent internal process. The team wanted a clearer, more centralised view across both schemes so it could assess relevance and plan action with confidence.

As StreamPayments’ operations grew, consolidating and managing that information across two schemes in different countries became increasingly important. The team needed a structured way to identify the publications relevant to its portfolio and connect them to the appropriate internal follow-up and activities.

Centralised and tailored to StreamPayments

StreamPayments quickly recognised the value Kajo could add. The decision was straightforward, and the team was able to begin using the platform without a lengthy implementation programme.

“It was a very quick decision. We saw the benefits of using Kajo immediately.”

Kajo brings together relevant Visa and Mastercard publications in a single workspace and tailors the view to StreamPayments’ business. This helps the team focus on the changes most likely to affect its business and operations while maintaining a current overview of requirements and deadlines across both schemes.

“Having all payment networks publications in one place, tailored to our needs, saves us a considerable amount of time by helping us quickly identify updates relevant to our operations and navigate new requirements more easily.”

The platform also fitted naturally into the team’s existing way of working. Instead of introducing a separate, cumbersome process, Kajo gave StreamPayments a common reference point for reviewing updates, assessing their implications, and coordinating next steps.

“It fit seamlessly into our workflow and gave us the full visibility StreamPayments needed to feel confident that all aspects of card scheme compliance were covered.”

More time to prepare for change

One example that made the value of the new process and approach even clearer was StreamPayments' review of a Mastercard mandate regarding the investigation of potential scam activity, effective 24 July 2026.

Kajo helped the team identify the update early, assess its relevance, and organise the work required ahead of the effective date. With a clearer view of the mandate and its timeline, StreamPayments was able to strengthen its internal monitoring and reporting processes in a planned and proactive way.

“With Kajo, we were able to take proactive measures to enhance our internal monitoring and reporting processes, ensuring our key metrics align with the new requirements.”

The example reflects the broader benefit of a centralised compliance workflow: more time to interpret a change, involve the right stakeholders, and translate a publication into concrete operational action.

An indispensable part of the team's workflow

Today, Kajo is a key reference point for StreamPayments as a payment-network knowledge directory and for compliance processes. It supports the team in identifying relevant changes, monitoring deadlines, and keeping work moving across Visa and Mastercard.

“For StreamPayments, Kajo is an indispensable solution which helps us stay on top of card scheme changes and regulations and keep track of ‘comply-by’ dates. It means no surprises, no last-minute analysis or action, and no concerns about missing important information.”

Looking ahead, StreamPayments sees an opportunity to go beyond monitoring individual publications. The team would like to connect related requirements across bulletins and schemes, making it easier to identify common themes and coordinate responses across its wider compliance programme - something Kajo Intelligence will further enable

“We would like to leverage Kajo as a cross-bulletin and cross-scheme intelligence tool which will further help us analyse related bulletins and rules across payment schemes.”

The result is a more coordinated approach to Visa and Mastercard compliance: relevant publications in one place, clearer visibility of upcoming requirements, and a structured workflow designed to help StreamPayments act with confidence as payment network complexity continues to grow.