EXACT INSTITUTION IDENTITY
A payment brand, app, agent and authorised institution may not be the same entity.
PSCR begins with the exact legal entity, official identifier, jurisdiction, permission, service perimeter and customer relationship.
Six checks before relying on status
Exact legal entity
Official identifier
Permission and activity
Agents and distributors
Service and territorial perimeter
Contract and customer relationship
Institution and permission map
Follow the relationship from the customer-facing name to the entity that contracts, holds the permission and provides the defined service.
Permission is entity-specific
A permission belongs to the exact legal entity and defined activity. It does not become a general attribute of a brand or corporate group.
Agents have defined roles
An agent does not automatically hold the principal’s full permissions. The principal, activity and customer relationship should remain visible.
Scope changes conclusions
Customer type, territory, service and transaction state may alter which permission and safeguarding statement is relevant.