Please provide a description of your company in 50 words or less.
Frame is a compliance company that makes money move. We give high-compliance retailers — age-restricted goods, telemedicine, gaming, travel, ticketing, and the platforms powering them — one platform for payments, payouts, identity, and the industry-specific compliance their banks and processors demand. All powered by Ralfi, our AI compliance infrastructure.
Why did you join RSPA?
RSPA represents the people who actually build and support retail technology — the integrators, ISVs, and solution providers whose customers include the high-compliance retailers we serve every day. Age-restricted retail, telemedicine, gaming, travel, ticketing, and the platforms powering them — these are real businesses doing the hard work of staying compliant while building something meaningful, and they have historically been underserved by an industry that treated them as a liability.
We joined RSPA to be in the room with members who already know these merchants intimately. What we bring to the conversation is something the retail IT ecosystem hasn’t had: an AI-native compliance and payments platform purpose-built for high-compliance verticals — and architected for the agentic future, where AI agents will increasingly initiate transactions on behalf of consumers and businesses. Compliance becomes infrastructure, not a separate vendor stack.
Our merchants don’t need another processor competing on basis points. They need a partner that absorbs the compliance burden — payments, payouts, KYC, geo-compliance, age verification, dispute management — so they can focus on running their business. RSPA is where those partnerships start.
What are the core values of your company?
Compliance is the moat. We chose the hardest part of payments because that is where merchants actually need help. Anyone can shave basis points; very few can absorb the ongoing complexity of staying approved across processors, banks, and regulators. We invest in infrastructure that compounds over time.
Merchants are real businesses. The companies we serve aren’t “high-risk” — they’re high-compliance, doing meaningful work in regulated industries. We treat them accordingly: with respect, with patience, and with infrastructure built for them rather than against them.
One platform, one relationship. Every fragmented vendor a merchant has to manage is energy stolen from their business. We consolidate payments, identity, payouts, dispute management, and industry-specific compliance into a single stack so they can focus on what they do.
Built for the long term. The work is hard, the market is complex, and the regulatory landscape is unforgiving. That is exactly why we are doing it. If it were easy, someone would have built it already.
What verticals do you serve?
We serve high-compliance merchants across a range of regulated retail and platform categories:
Age-restricted retail (alcohol, tobacco, vape, nicotine, and adult products)
Telemedicine and online prescribers
Skilled gaming, gambling, and gaming platforms
Travel and ticketing marketplaces
Creator and content platforms
Crypto on- and off-ramps
Subscription and usage-based software platforms
Marketplaces and embedded-payments platforms
What unites these merchants isn’t their industry — it’s the additional compliance scrutiny they face. They have to prove not just basic business details, but licensing, regulatory standing, and ongoing adherence to industry-specific rules that most businesses never encounter. Each vertical has its own playbook: geo-compliance and age verification for alcohol, state-by-state licensing for telemedicine, watchlist screening for creator platforms, no-show and fraud handling for travel, and so on. Our edge is depth — we have built dedicated tooling and partner relationships for each vertical, and that knowledge compounds with every merchant we onboard.
What products/services do you provide?
FrameOS is a single platform that combines payments and compliance for high-compliance merchants. The full surface:
Money Movement — unified payments and payouts, in and out
Identity (KYC/KYB) — verification of merchants and their customers across risk levels and jurisdictions
Card Authentication — 3DS at the transaction and during onboarding to shift chargeback liability and improve win rates
Sonar — real-time transaction monitoring for fraud and AML signals, zero integration
Dispute Management — automated evidence collection, response filing, and chargeback recovery
Billing — flexible subscriptions and usage-based billing
Checkout — hosted checkout with every payment method, one balance
Geo-compliance — real-time location verification for jurisdictional restrictions
Legal Opinions as a Service — bank- and processor-ready legal documentation
Creator Screening — watchlist and risk-signal screening for platform creators
Age-Restricted Product Compliance — age gates, ID verification, and disclaimer monitoring for alcohol, tobacco, and other regulated categories
Telemedicine Verification — multi-state prescriber and provider licensing checks
All of it sits on Ralfi, our AI compliance infrastructure, which automates verification and enforcement across every product — and
Name one fun fact that makes your company different from others.
In January 2026, we did something unusual for a payments company: we stopped calling our merchants “high-risk.” We renamed them “high-compliance” — because that’s what they actually are. The companies we serve aren’t liabilities to be managed; they’re real businesses, often operating in highly regulated industries, doing the hard work of staying compliant while building something meaningful. The rebrand wasn’t cosmetic. It changed how we underwrite, how we sell, and how we build product. When the language you use about your customers shifts, everything downstream of that shifts with it.
What is the most encouraging thing you see for the future of the retail IT industry?
For too long, the retail IT industry treated highly regulated verticals as unservable — too risky, too complex, too much trouble. That is changing. Solution providers, ISVs, and infrastructure companies are finally taking these merchants seriously. Age-restricted retail, telemedicine, gaming, travel, ticketing — these are massive, growing categories run by serious operators, and the technology stacks built around them are starting to reflect that.
The other encouraging shift is the move away from fragmented point solutions. High-compliance retailers have been forced to manage five or six vendors just to keep the lights on. The industry is finally consolidating around integrated platforms where compliance, payments, and operations live together — better for the merchant, the solution providers serving them, and the bank and processor partners that ultimately decide who gets access to financial services.
What we are most excited about is what comes next: AI and agentic commerce. As AI agents begin transacting on behalf of consumers and businesses, every payment will need real-time compliance, identity, and authentication built into the rail itself — not bolted on afterwards. The retail IT industry is uniquely positioned to lead that shift, and we look forward to building it along.
