---
title: "AML/CFT Risk: Third-Party Payment Processors"
description: Explore the risks associated with third-party payment processors (TPPPs) in AML/CFT contexts and the expectations outlined by the FFIEC in their BSA/AML Manual.
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [AML/CFT Risk: Third-Party Payment Processors](https://blog.bankerscompliance.com/en/aml/cft-risk-third-party-payment-processors)

 Written by [Kevin Edwards](https://blog.bankerscompliance.com/en/author/kevin-edwards) | Sep 10, 2025 7:44:12 PM

In our [AML/CFT Membership Group](https://lp.bankerscompliance.com/kevin-edwards-leading-the-way-on-aml-cft), Kevin discussed the risks posed by third-party payment processors (TPPPs). TPPPS are entities that transmit funds between customers and merchants without directly handling goods or services. They might include ACH originators, prepaid card program managers, mobile wallet platforms, payment gateways, remotely created checks, etc., and are common in certain spaces like FinTech, E-commerce, gambling or gaming platforms, adult entertainment, crypto exchanges, telemarketers, etc.

The FFIEC [devotes an entire section to TPPPs](https://bsaaml.ffiec.gov/manual/RisksAssociatedWithMoneyLaunderingAndTerroristFinancing/10) in its BSA/AML Manual outlining the risks and examiner expectations.

In the video, Kevin touches on the types of TPPPs financial institutions might encounter:

<https://blog.bankerscompliance.com/hs/cta/wi/redirect?encryptedPayload=AVxigLL7IRQ34SHX0gGH8qohHMXjAFH0rrpIYII5yW%2FIAD4k9O%2BSDzrRvPvyDRrRsLSwPDIEPGK01kaKuO3vMl6WqJk%2BgjjdLCs0GPcWbXwuRcpS9Kh8mVE533pPkpjV16irjgE4dC36Ry8miPrChVUqX7MSU0XdJvnsHzNoHG4fOCI%2FcKsBIHl7%2B%2BxbA86uf0Eh3sEeRqhrwjju1Y%2BrTVRtB8BCR9LRf5r4FU0%3D&webInteractiveContentId=185806601742&portalId=21201105> 

Published  
2025/09/10

[View full post](https://blog.bankerscompliance.com/en/aml/cft-risk-third-party-payment-processors)

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