Indian fintech companies powering cross-border payments into Europe face a new compliance gate. Regulation (EU) 2024/2847 applies to products with digital elements on the EU market — and payment software integrated by EU financial institutions is within scope. European banking compliance teams are adding CRA clauses to integration agreements. They need Annex VII documentation for every third-party software component that touches their payment infrastructure. Your fintech has SOC 2, PCI DSS, and RBI compliance. None of these are Annex VII. CRACheck generates 8 structured PDF documents under Art. 31 + Annex VII in 15–25 minutes. €149 per product. 100% browser-side — payment data never leaves your machine.
€149 one-time · 8-document ZIP · 15–25 minutes · Browser-side
PCI DSS certifies cardholder data security. Regulation (EU) 2024/2847 requires product-level documentation under Annex VII — including a product-specific cybersecurity risk assessment (Art. 13(2)), SBOM (Annex VII §2(b)), vulnerability handling evidence (Annex I Part II), and user information (Annex II). PCI DSS addresses payment card data. Annex VII addresses the product. They are complementary frameworks with different scopes.
Article 2(5) of Regulation (EU) 2024/2847 allows limitation or exclusion where sectoral rules achieve the same or higher level of protection. As of the publication date, no such limitation has been adopted for PSD2 or DORA via delegated act. Until that happens, payment software products on the EU market remain within CRA scope. Article 12 addresses the relationship with other Union legal acts.
Your EU partner is the manufacturer of their product. Article 13(5) requires them to exercise due diligence on your component. They fulfil this by requesting documentation from you. If you do not provide it, they document it themselves at your expense — or replace you. Producing the documentation proactively is a competitive advantage.
8 PDF documents generated from your data. Each cites the specific article of Regulation (EU) 2024/2847 it complies with.
Classification considering Annex III (identity management, authentication components).
Annex VII covering payment-specific architecture: API endpoints, encryption, tokenisation, data flows, third-party integrations.
Art. 13(2) risk assessment for payment system threat model: fraud, data breach, API abuse, man-in-the-middle.
Annex II. Integration partner documentation: API security configuration, key rotation, support period.
Art. 28 + Annex V.
Annex I Part II §5. Vulnerability disclosure for payment software. Includes responsible disclosure timelines.
Art. 14 ENISA notification. Critical for payment systems: 24h early warning mandatory.
Sept 2026 (Art. 14), Dec 2027 (full), PCI DSS renewal dates (for cross-reference).
Mira antes de comprar — Descargar dossier de muestra (PDF, empresa ficticia) — Estructura real, artículos reales, formato real. Datos ficticios.
Generated from your data, in your browser. No data leaves your device.
8 documents. 15–25 minutes. €149. Ready for EU banking partner compliance review.
Does not assess PCI DSS or PSD2 compliance. Does not determine whether a DORA exemption applies to your product. Does not replace legal advice on financial services regulation.
We produce the CRA documentation. You handle PCI, PSD2, and DORA separately.
Article 64 of Regulation (EU) 2024/2847.
Art. 64(2). For payment systems, vulnerability notification failures (Art. 14) are the highest-visibility infringement.
Art. 64(3).
Art. 64(4).
| Alternative | Cost | What you get |
|---|---|---|
| European fintech compliance firm | €15,000–€25,000 | Full CRA + DORA review. 4–6 months. |
| Internal legal team drafts documentation | Free + weeks | Non-standard format. May not match Annex VII. |
| Tell the EU partner "we are PCI compliant" | €0 | They ask again. PCI is not Annex VII. Integration stalls. |
| CRACheck | €149 | 8 documents. 15–25 min. Annex VII structured for payment software. |
Payment gateway, KYC module, lending API — each product needs its own Annex VII dossier. Contact us for fintech volume pricing.
Request Volume PricingCRACheck generates a structured document under Article 31 and Annex VII of Regulation (EU) 2024/2847 from the information you provide. The accuracy is your responsibility as the fintech developer.
We guarantee structure and legal references. We do not guarantee acceptance by a market surveillance authority or by your EU banking partner.
CRACheck is not legal advice. For payment-specific regulatory questions — including PSD2, DORA, and CRA interaction — consult a qualified fintech lawyer.
8 professional documents. Structured under Article 31 and Annex VII of Regulation (EU) 2024/2847. Your data stays on your device. The ZIP you download is yours forever.