The agreement between a payment factory and its participating companies is usually documented by a formal contract or agreement While the POBO structure offers many advantages, it represents a challenge for the banking sector, since it relates to Know Your Customer (KYC) and anti-money laundering (AML). International and national kyc/AML rules often do not take into account the POBO structure. Most KYC/AML rules require that sender information be included in all international payments. The information typically includes a sender`s name, address, and account. From the bank`s perspective, the bank could interpret the sender as an account holder and not as the underlying sender of payments. In the case of a central corporate payment centre, this would be the company making the payments and not all the companies. In this interpretation, the bank should only include the liquidator`s information in the payment message and not the subsidiary. Cost reduction is also a key factor. Not only are bank fees reduced by reducing accounts, but also by reducing transaction fees for non-euros, since payments are made on the national territory and not across borders.

Since the centralization of payments usually involves a reduction in the number of banking partners, companies have often been able to negotiate lower prices with their banks in order to reflect higher payment volumes.