KYC and EDD thresholds for 2026: what changed
Regulators tightened EDD triggers across the EU and UK. Here's what high-risk merchants need to adjust.
Aquablue8 Compliance Desk March 10, 2026 9 min read
Enhanced Due Diligence triggers were quietly tightened across several EU regulators in early 2026. Most merchants only discover this when an acquirer freezes funds.
What changed
- PEP screening must be continuous, not one-time
- Source-of-funds documentation is now mandatory at lower deposit thresholds
- Adverse media screening must be documented per customer
Practical impact
Update your CDD policy, refresh existing high-deposit customers within 90 days, and document every EDD case for audit.