Canonical: https://unicorncurrencies.com/features/compliance-screening/

# Capability: Payment Screening Before Release

## Summary

International business payments may require sanctions, fraud, or document review before funds are released. Finance and operations need to know what was checked, what is outstanding, and what can proceed.



Built for businesses with £1M+ equivalent annual FX exposure and recurring international supplier, customer, or treasury payment flows.

## Capability flow

- **Payment prepared:** Beneficiary, amount, purpose, and references are captured for review.

- **Screening run:** Sanctions, policy, or document checks are completed where required for the route.

- **Exception handled:** Holds or requests for information are tracked with operational context.

- **Release approved:** Funds proceed only after the required review path is complete.

- **Audit record kept:** Screening outcome and payment evidence remain available for finance follow-up.

## Workflow

- **Payment staged:** Instruction details are complete enough for screening and review.

- **Checks completed:** Required sanctions, policy, or document checks are performed for the route.

- **Hold resolved:** Outstanding questions are answered before release where possible.

- **Funds released:** Payment proceeds through the supported route after review.

- **Evidence stored:** Screening and payment proof are kept for reconciliation and escalation.

## Timing and availability factors

- currency and corridor

- route and provider arrangement

- jurisdiction and account type

- sender or beneficiary bank handling

- compliance or document review

- banking cut-off times and holidays

- accuracy of references, invoices, and beneficiary details