For P2P/payment gateway is there any compliance wall? | SpinGraph: Compliance framing
SpinGraph analysis of Reddit r/fintech's For P2P/payment gateway is there any compliance wall? story: compliance framing, The Shield, Spin Score 25%, low AI re…
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For P2P/payment gateway is there any compliance wall?
PCI DSS, SOC 2, payment gateway, compliance wall
User asks fellow builders about real-world compliance barriers for P2P/payment gateway development Focuses on whether PCI DSS, SOC 2, or other standards are now mandatory for partners/licensing Signals that compliance planning is complex and materially impacts budgeting
Emphasizes external pressure while minimizing agency in architecture decisions, vendor selection, or proactive compliance roadmapping; omits discussion of trade-offs between speed, cost, and rigor.
Builder-as-respondent: positioned as pragmatically navigating fixed rules rather than shaping or challenging them.
Builders report increasing compliance demands for P2P and payment gateways, especially PCI DSS and SOC 2.
Specific jurisdictional variations (e.g., EU vs. US vs. APAC); Whether PCI DSS applies to tokenized or non-card flows; How open banking APIs affect compliance scope
The metaphor 'compliance wall' combines linguistic urgency ('wall') with institutional authority ('PCI DSS', 'SOC 2') to make requirements feel fixed and monolithic. It inflates perceived inevitability while offering no counterpoints—no mention of waivers, alternatives, or precedent-setting exceptions—so the reader absorbs compliance as a brute fact rather than a contested, contextual domain.
Compliance seems absolutely nontrivial when planning budgets for P2P/payment gateway development.
Trying to plan the budget and compliance seems absolutely nontrivial.
Extracted statistics from the source narrative
Self-reported assessment of budget and planning difficulty