Sumsub

Sumsub delivers a broad identity verification and compliance platform with KYC (Know Your Customer), KYB (Know Your Business), AML (Anti-Money Laundering) screening along with fraud prevention and transaction monitoring services. Since its inception in 2015 the organization has grown into a worldwide digital compliance solutions provider for more than 4,000 clients across multiple sectors such as fintech, cryptocurrency, gaming and transportation.

The platform streamlines verification procedures to allow businesses to quickly onboard users and partners while maintaining international regulatory compliance. Sumsub delivers customized solutions that fulfill requirements for companies functioning within 220 countries and territories through support for multiple document types and languages.

Overview: Why is KYC & AML Important for Businesses?

The current digital environment demands that businesses focus on regulatory compliance and fraud prevention particularly when they operate in financial services, cryptocurrency and online marketplaces. KYC and AML procedures play a critical role in verifying customer identities while monitoring transactions to detect and prevent illegal activities such as money laundering and terrorist financing.

Implementing robust KYC and AML measures helps businesses:​

• Comply with international regulations and avoid legal penalties.​
• Protect against financial fraud and reputational damage.
• Enhance customer trust and streamline onboarding processes.​

Sumsub delivers automated solutions that integrate smoothly with current workflows to meet these needs while minimizing manual tasks and boosting efficiency.

Key Features at a Glance

Sumsub provides multiple features on its platform to enable compliance management and fraud prevention.:​

• Identity Verification: The system provides verification for more than 14,000 document varieties across over 220 countries and territories using AI systems for extracting and validating data. 
• Biometric Verification: Sumsub’s platform uses liveness detection and face matching to authenticate users.
• AML Screening: The platform uses automated screening tools for global watchlists and PEPs (Politically Exposed Persons) along with sanctions lists which enables continuous monitoring.
• Transaction Monitoring: The platform enables real-time analysis of transactions to detect suspicious activities through customizable rule sets and AI-based anomaly detection.
• Fraud Prevention: The system employs machine learning algorithms to detect and stop fraudulent actions throughout the duration of customer interactions. 
• Customizable Workflows: Businesses can adjust verification procedures as needed by selecting SDK or API integration options. 

Sumsub combines multiple features on its platform which allows businesses to handle both compliance and fraud prevention operations better while improving operational efficiency and customer service.

Detailed Sumsub Platform Overview

Company Background & Reputation

Sumsub, which stands for “Sum and Substance,” was established in 2015 and operates as a UK company that delivers identity verification and compliance solutions. Throughout its history Sumsub has become an influential company within the digital identity verification sector. Sumsub earned a Leader position in Gartner’s 2024 Magic Quadrant for Identity Verification based on its strong execution capabilities and comprehensive market vision.

Sumsub provides a platform that accelerates verification procedures for businesses while maintaining international regulation compliance and facilitating user and partner onboarding. The platform serves a range of clients from multiple sectors such as fintech, cryptocurrency, gaming and transportation.

Supported Industries and Use Cases

Sumsub offers tailored solutions to meet the specific needs of different industries:

• FinTech & Neobanks: Enables fast customer onboarding while maintaining adherence to financial regulatory standards.
• Cryptocurrency Exchanges & Blockchain Projects: Delivers strong KYC/AML checks that fulfill the demanding compliance standards for crypto businesses.
• Online Marketplaces & E-commerce: The platform verifies genuine users which helps to minimize fraudulent activities.
• Gaming & Gambling Industry: The platform performs identity verification to enforce age restrictions and anti-fraud protocols for players.
• Transportation & Mobility Services: The platform integrity depends on the validation of driver and user identities.

These customized solutions empower businesses to effectively overcome challenges unique to their specific industry sectors.

Global Compliance Coverage

Sumsub’s identity verification platform operates in more than 220 countries and territories while supporting verification through over 14,000 document types. The broad coverage provided enables businesses to maintain global operations while meeting local regulatory standards.

The Sumsub platform provides both traditional document-based verification and Non-Documentary (Non-Doc) Identity Verification options. This solution enables users to verify identities by using data from government databases instead of requiring physical documents. FINTRAIL’s independent audit demonstrates Sumsub’s Non-Doc solution meets the regulatory requirements of 18 jurisdictions such as the UK, US, South Africa, Nigeria, and India.

Businesses looking for extensive identity verification solutions find Sumsub to be an adaptable choice because of its worldwide reach combined with strong compliance standards.

Key Features of Sumsub KYC & AML Solutions

Sumsub delivers an extensive set of tools which enable businesses to simplify identity verification while maintaining compliance standards and protecting against fraudulent activities. Here is a summary of the essential features.

Identity Verification Solutions

• Document Verification: The Sumsub platform verifies more than 14,000 document types from over 220 countries and territories such as passports and residence permits. The system combines Optical Character Recognition (OCR) technology with artificial intelligence to extract data while validating it for authenticity and compliance.
• Biometric Verification: Advanced facial recognition technology enables the platform to confirm user identities through both liveness detection and face matching systems. The process achieves a completion rate of 99% while taking only one second on average for verification.
• Non-Documentary Verification: Sumsub provides Non-Doc Identity Verification for allowed jurisdictions by using government databases to verify user identities without needing physical documents.

AML Compliance Solutions

• Sanctions and PEP Screening: Sumsub conducts automatic screenings for businesses and individuals by referencing global watchlists such as OFAC, UN, HMT, EU and DFAT databases alongside Politically Exposed Persons (PEPs) records and adverse media sources.
• Ongoing Monitoring: The platform keeps an ongoing watch over client data alterations to guarantee business compliance with changing regulatory requirements.

Transaction Monitoring

• Real-Time Analysis: Sumsub’s AI-powered transaction monitoring system detects suspicious activities instantly while minimizing false positives by as much as 90%.
• Customizable Rules: Businesses have access to over 300 industry-specific pre-built rules that enable accurate anomaly detection while ensuring compliance with regulatory standards.

Fraud Detection & Prevention

• Behavioral Analysis: The platform monitors user behavior patterns to identify and block fraudulent actions including account takeovers and multi-accounting.
• Graph Neural Network Analysis: Sumsub utilizes sophisticated algorithms to detect fraud by clustering networks based on common features including shared IP addresses and device information along with document similarities.

Integration and Customization

• Flexible Integration Options: Sumsub provides multiple integration solutions such as APIs and SDKs for web and mobile platforms along with Unilink which enables identity verification through links or QR codes without requiring complete integration.
• Workflow Builder: The no-code Workflow Builder from Sumsub lets businesses create verification flows that meet their unique requirements and regulatory demands.

Sumsub provides a unified platform that helps businesses improve their fraud prevention and compliance management while boosting operational efficiency and customer satisfaction.

How Sumsub Works: Step-by-Step Process

Sumsub delivers a well-organized identity verification system that safeguards compliance and security requirements for businesses. Here’s a detailed breakdown of the process:

User Onboarding Flow

1. Initiation: The verification process starts when users access Sumsub’s WebSDK or MobileSDK which a company can incorporate into its platform.
2. Document Submission: Applicants must provide images of their identification documents like passports or driver’s licenses. The system can process more than 14,000 types of identity documents from over 220 different countries and territories..
3. Biometric Verification: The system instructs users to capture a selfie or record a brief video for facial recognition to verify both liveness and identity document matching.
4. Data Extraction and Validation: Sumsub’s AI system pulls information from documents users submit and validates this data using external sources like sanctions lists and watchlists.
5. Result Handling: The verification outcome is delivered in real-time. Users receive approval, decline, or manual review after system verification results are processed.

Verification Process Explained (End-User Perspective)

• User-Friendly Interface: The verification steps display clarity and brevity while leading users through each required action.
• Real-Time Feedback: Users get direct status updates about their verification which eliminates uncertainty and shortens waiting periods
• Support for Multiple Languages: Sumsub provides a platform which accepts documents in multiple languages to serve users worldwide.

Admin Dashboard & Analytics Overview

• Centralized Management: Administrators have the capability to observe and handle every verification procedure through a unified dashboard.
• Team Collaboration: The platform enables users to add multiple team members and define their specific roles and permissions.
• Detailed Analytics: Businesses access a full range of analytics which covers verification success rates and user demographics alongside average processing times.

Notifications & Reporting Mechanisms

• Automated Alerts: Sumsub delivers immediate alerts about verification results to help businesses respond quickly.
• Comprehensive Reporting: The system produces thorough reports related to verification activities which support compliance and audit procedures.
• Integration with External Tools: Sumsub allows businesses to integrate multiple third-party tools which significantly improves its reporting functions.

Sumsub delivers a smooth and protected verification process for its users and administrators through its structured methodology.

Pricing and Cost Structure

Sumsub provides businesses with diverse pricing scales based on their size and industry requirements through its flexible and scalable model. Sumsub maintains a pricing structure based on usage or verification volume but does not disclose complete pricing details on their website.

Pricing Plans and Options Explained

• Modular Pricing: Sumsub establishes its pricing structure based on the particular services each client utilizes such as KYC, KYB, AML screening or transaction monitoring. Businesses have the flexibility to choose only the specific modules they require from Sumsub.
• Per-Check Model: Identity verification services commonly use a pay-per-verification pricing approach. The verification level required determines the cost which can range from basic document checks to biometric analysis and AML screenings. 
• Custom Enterprise Plans: High-volume clients and large enterprises have the opportunity to work with providers to create custom payment structures that include both monthly fixed charges and discounts following volume-based scales.
• Free Trial & Demos: Sumsub delivers complimentary platform demonstrations so businesses can evaluate the features before making a commitment. The availability of a public free trial with full access varies because it requires special arrangements through the sales team.

Hidden Fees & Cost Transparency

• Transparent Billing: Sumsub guarantees transparent billing practices through its dashboard where users can access comprehensive usage statistics.
• Add-on Costs: Advanced AML checks and continuous KYT transaction monitoring require additional costs for implementation. The sales process requires discussion of these elements.
• Geographic Considerations: Operational costs can experience small variations across different countries because of diverse document handling processes and regulatory needs.

Comparing Pricing with Competitors

Sumsub stands on par with Onfido, Jumio, and Veriff regarding competitive pricing and value offerings. Sumsub is not the least expensive option available yet businesses select it for its comprehensive compliance features and quick verification process along with integration flexibility.

(Pricing and features comparison is based on publicly available data and may vary.)

Cost Optimization Tips for Businesses

• Start with Core KYC: Startup and early-stage businesses should start with the basic KYC verification package before moving on to KYB and AML once they need additional compliance services.
• Leverage Tiered Discounts: Companies that experience customer growth should negotiate volume discounts at the start to lower their per-verification expenses.
• Use Workflow Customization: Customizing verification flows according to different user risk profiles helps businesses prevent unnecessary expenses on excessive checks.

Sumsub Customer Support & Resources

Sumsub prioritizes customer success by delivering extensive support options alongside educational resources which guide businesses through intricate regulatory landscapes while enhancing platform utilization.

Customer Support Availability & Quality

• 24/7 Support: Sumsub delivers constant customer support through live chat and email services. Clients who leave reviews on G2 and Trustpilot praise Sumsub support agents for their quick response times and expert assistance particularly in urgent compliance situations.
• Dedicated Account Managers: Enterprise and high-volume clients receive dedicated customer success management services from Sumsub. The designated contact point provides support for client onboarding as well as performance optimization and continuous compliance strategy development.
• Priority Support: Enterprise-tier plan businesses benefit from priority support for essential problems and early access to new features with SLA-supported response times.

Help Center and Knowledge Base

Sumsub operates a thoroughly organized Help Center which features:

• Step-by-step guides for API integration together with verification flow configuration and dashboard usage tutorials.
• Troubleshooting articles that address frequent problems encountered by users and developers..
• Regulatory explanations enable clients to understand their required obligations.
• Available at: help.sumsub.com

Developer Documentation & API Guides

Sumsub delivers one of the most complete developer environments for technical teams in the KYC provider sector:

• Interactive API docs: Distinct REST API endpoints for KYC, KYB, KYT, and AML modules.
• SDKs for multiple platforms: Including Web, iOS, and Android.
• Test environments: Developers have the ability to simulate verification processes before their implementations become active.

Docs are hosted at: docs.sumsub.com

Training Resources & Webinars

Sumsub delivers learning resources to help teams accelerate their proficiency levels.

Whitepapers and case studies: Sumsub delivers extensive analyses of compliance subjects and showcases how different sectors use their platform to overcome identity verification challenges.

Onboarding training: New clients can access onboarding training through online webinars or personal sessions.

Live and recorded webinars: Sumsub offers live and recorded webinars that discuss current industry compliance trends together with product updates and best practice approaches to fraud prevention and AML.

Integrations and Compatibility

Sumsub demonstrates significant flexibility which allows it to integrate smoothly with various business ecosystems. The platform seamlessly integrates with the existing technology infrastructure of both fast-growing startups and established enterprises.

CRM & Business Tools Integration

Sumsub functions as an enhancement to customer management systems and operational tools. Sumsub does not feature pre-built “one-click” integration capabilities for every CRM platform but instead offers:

• REST API access: Businesses can integrate verification processes into their CRM systems such as Salesforce, HubSpot, or Zoho through custom development operations.
• Webhooks: For real-time status updates and verification triggers.
• Callback functions: Your systems should receive immediate notifications when a user completes or fails verification.

With these tools businesses can streamline user onboarding processes as well as verification review and compliance record management inside their internal systems

Payment Gateway Compatibility

Sumsub functions as an integration tool within customer onboarding processes for platforms that mandate KYC/AML checks before they authorize payments. It’s especially relevant for:

• Crypto platforms using fiat on/off ramps
• P2P marketplaces requiring identity checks before funds are released
• FinTech apps that tie KYC verification to wallet creation or transaction permissions

Sumsub’s API delivers verification outcomes that enable integrations to either allow transactions or delay them until proper verification is confirmed.

Integration with Blockchain & Cryptocurrency Platforms

Sumsub holds a strong reputation in crypto compliance operations through its established integrations with:

• Crypto exchanges
• DeFi wallets
• NFT marketplaces
• Token issuance platforms

Both centralized and decentralized infrastructures can directly utilize Sumsub’s SDKs and APIs. Mercuryo, Moonpay, and Binance have all publicly verified that they use Sumsub as part of their KYC verification processes.

Additional crypto-specific features include:

• Wallet monitoring (KYT)
• Crypto travel rule compliance
• On-chain fraud pattern detection

SDKs and APIs for Developers

Sumsub supports seamless technical integration via:

No-code/low-code options: With Unilink businesses can create verification links or QR codes without needing to write code which makes it perfect when full API integration isn’t possible.

Platform provides SDKs for iOS, Android, Flutter, React Native and Web platforms which enable smooth integration of UI/UX across different devices.

Sumsub provides a single API solution for KYC, KYB, KYT, and AML screening processes with well-documented resources and testing sandbox environments.

Customer Reviews & Testimonials

Sumsub has established itself as a trusted solution for digital identity verification within highly regulated sectors including fintech, crypto, iGaming and transportation. The feedback from public users highlights Sumsub’s strong points alongside improvement areas while providing a realistic assessment of the platform’s performance.

Customer Satisfaction Overview

Sumsub consistently earns high ratings across major review platforms:

• G2: 4.7/5 (as of 2024)
• Capterra: 4.6/5
• Trustpilot: 4.5/5 (based on service quality and support responsiveness)

Most users giving positive feedback praise the platform for its quick performance along with user-friendly operations and dependable compliance features. Clients frequently observe that the verification process completes in under sixty seconds per user while competitors generally take longer.

Common Praises

• Fast verification process: Users often praise the system because identity checks have low friction while maintaining high success rates.
• Excellent customer support: Businesses value technical support that responds promptly along with guidance throughout the integration process.
• Global coverage: International clients require support options that accommodate diverse documents and multiple languages.
• High configurability: Businesses appreciate the ability to design specialized workflows which meet their compliance requirements and risk management approaches.

“Sumsub helped us onboard users across 100+ countries while maintaining compliance. Their support team was crucial to getting us live quickly.”
— Compliance Lead, Crypto Exchange (via G2)

“Integration was seamless and the dashboard is intuitive. We were able to reduce fraud and boost approval rates within weeks.”
— Product Manager, Neobank (via Trustpilot)

Constructive Criticisms

While overall satisfaction is high, some clients have noted areas for improvement:

• Pricing Transparency: Some small businesses struggle to understand pricing models because public pricing information is not available.
• False positives in AML: Several users reported that the sanctions screening system sometimes misidentifies legitimate users who must go through manual verification.
• Learning curve: New users might need onboarding help to exploit its powerful features effectively.

“The product is great, but the documentation could be more beginner-friendly for startups without full compliance teams.”
— Startup CEO (via Capterra)

Case Studies & Real-world Examples

Sumsub distributes comprehensive case studies that illustrate its impact throughout different industrial sectors.

• Mercuryo: Experienced a 75% reduction in verification time and compliance coverage throughout 180 countries.
• Gett (ride-hailing): Sumsub enabled to fast-track driver onboarding while maintaining security standards throughout various regions.
• Wargaming:  Sumsub helped to check player identities in restricted markets while maintaining regulatory compliance and seamless user experience.

User Ratings on Third-party Platforms

Customer feedback for Sumsub demonstrates its success as a compliance partner for businesses functioning within regulated or high-risk industries. The combination of quick onboarding processes combined with strong customer support and geographic flexibility positions Sumsub as a leading choice for KYC/AML solutions while users simultaneously demand improved pricing transparency and documentation clarity.

Advantages & Disadvantages of Sumsub

Sumsub serves as a popular solution for organizations needing KYC, KYB, and AML compliance. An enterprise-grade platform typically provides numerous advantages but requires companies to assess potential trade-offs based on their size and technical capabilities as well as their industry standards.

Advantages of Sumsub

1. Global Coverage & Localization

• Supports 14,000+ document types across 220+ countries and territories
• Features multilingual interfaces and document recognition which makes it ideal for users worldwide.

2. Fast & Accurate Identity Verification

• Average identity verification time is under 1 minute
• The system successfully verifies compliant documents with a 99% success rate through real-time biometric validation.

3. Comprehensive Compliance Suite

• Combines KYC, KYB, AML screening, and transaction monitoring (KYT) in one platform.
• Regularly updated to reflect global regulatory changes (GDPR, FATF, FinCEN, etc.).

4. Customizable Workflows

• Sumsub provides a no-code Workflow Builder and an API that allow businesses to create their own onboarding flows.
• The system provides detailed management of workflow triggers according to user risk levels and geographic locations.

5. Developer-Friendly Tools

• Extensive documentation and SDKs for iOS, Android, Web, React Native, and Flutter
• Test environments and easy-to-integrate APIs for rapid deployment.

6. Strong Fraud Detection

• Features like graph analysis, behavioral analytics, and IP/device tracking help identify fraud rings and patterns.
• Real-time flagging for suspicious behavior during the onboarding and transaction phases.

7. Excellent Support Infrastructure

• Offers 24/7 customer support, a dedicated Help Center, developer docs, and onboarding training.
• Enterprise clients benefit from dedicated account managers and SLA-backed support.

Disadvantages of Sumsub

1. No Public Pricing

• Pricing details are not fully transparent online.
• Requires direct contact for quotes, which may deter smaller companies seeking cost predictability.

2. Learning Curve for Non-Technical Teams

• Despite offering no-code options, the platform’s breadth of features can be overwhelming for non-compliance specialists or smaller teams.

3. Occasional False Positives in AML Screening

• Some customers report overly cautious PEP/sanctions flagging, which may slow down onboarding and require manual review.

4. Limited Out-of-the-Box Integrations

• Sumsub does not currently offer plug-and-play integrations with common tools like Salesforce, Stripe, or Zendesk.
• Requires API development for full integration into CRMs and workflow platforms.

5. Variable Verification Success by Region

• While global in scope, some users note that verification rates may vary in countries with less standardized ID documents or inconsistent connectivity.

Comparative Summary: Sumsub vs Competitors

Sumsub stands out for its global reach, customizable architecture, and full-stack compliance tools. It is best suited for companies in regulated industries or those with international operations. However, smaller startups or teams with limited technical capacity may want to factor in the learning curve and upfront integration needs before adoption.

Frequently Asked Questions (FAQs)

What documents does Sumsub accept?

Sumsub supports over 14,000 types of identity documents from more than 220 countries and territories, including:

• Passports
• National ID cards
• Driver’s licenses
• Residence permits
• Utility bills and bank statements for address verification

A full list of supported documents is maintained on docs.sumsub.com.

How long does the verification process take?

Most verifications are completed in under 1 minute. Sumsub leverages AI and biometric tools to provide real-time decisions, though processing time can vary depending on:

• Document quality
• User location
• Required verification level (e.g., enhanced due diligence)

Is Sumsub suitable for small businesses?

Yes, Sumsub works with both startups and large enterprises. However, because pricing is custom and not publicly posted, smaller businesses should assess the cost-benefit of enterprise-grade compliance features. The Unilink feature (no-code verification link) is especially useful for businesses without development resources.

Can Sumsub integrate with my existing systems?

Sumsub offers:

• REST APIs
• SDKs for iOS, Android, Web, and popular frameworks
• Webhook and callback support
• Unilink for code-free onboarding

It is compatible with custom-built platforms and can be integrated into CRMs, mobile apps, and back-office systems with moderate developer effort.

How secure is my customer’s data on Sumsub?

Sumsub follows industry-leading security practices and holds certifications such as:

• ISO/IEC 27001
• GDPR compliance
• SOC 2 Type I (in progress, as of 2024)

All data is encrypted in transit and at rest. Hosting is done in compliance with local privacy laws, and the platform allows data residency options for select regions.

What is Sumsub’s accuracy rate for identity verification?

Sumsub reports a 99% verification accuracy rate, with a 1-second average decision time for standard checks. Manual review options are available for edge cases, supported by in-house compliance specialists.

Does Sumsub offer ongoing monitoring or just initial checks?

Yes. In addition to one-time verification, Sumsub offers:

• Ongoing AML screening
• PEP and sanctions list monitoring
• Continuous KYT (Know Your Transaction) monitoring

This ensures businesses remain compliant with regulations even after onboarding.

Is Sumsub compliant with global regulations?

Sumsub’s solutions are compliant with:

• FATF guidelines
• EU AML directives (AMLD 4, 5, and 6)
• GDPR
• FinCEN (USA)
• UK’s FCA and global crypto standards

The platform also undergoes third-party audits to validate compliance with global frameworks.

What support is available if I run into issues?

Sumsub offers:

• 24/7 live chat and email support
• A searchable Help Center
• Developer documentation at docs.sumsub.com
• Dedicated account managers for enterprise clients

Can Sumsub handle both individual and business verification (KYC + KYB)?

Yes. Sumsub supports:

• KYC (individuals)
• KYB (legal entities and UBOs)
• Enhanced Due Diligence (EDD) for high-risk customers

These can be configured within a single onboarding flow or split by user type.

Conclusion & Final Verdict

Sumsub has firmly positioned itself as one of the most versatile and compliance-focused KYC/AML platforms on the global market. With support for over 220 jurisdictions, customizable verification workflows, and a full-stack suite covering KYC, KYB, AML screening, fraud detection, and transaction monitoring, it offers a truly end-to-end identity verification solution.

What Makes Sumsub Stand Out

• Its international document coverage and AI-powered verification speed are particularly well-suited for businesses with a global customer base.
• Businesses can create customized onboarding flows that address specific customer risk levels and regulatory requirements through the platform’s modular architecture while avoiding unused features.
• The design approach focused on developers provides strong APIs and SDKs along with sandbox environments which facilitate easy integration across mobile and web platforms.
• Sumsub delivers dedicated tools including liveness detection, KYT (Know Your Transaction) modules and continuous AML monitoring to crypto, fintech, iGaming and mobility service sectors enabling them to satisfy tough global standards.

Considerations Before Committing

• The absence of public pricing may create friction for startups or budget-conscious businesses evaluating providers.
• Integration and onboarding may require involvement from development and compliance teams, especially for advanced configurations.
• Businesses operating in niche or lower-risk industries might find some features overly robust for their immediate needs.

Who Should Consider Sumsub?

• High-growth companies needing scalable and internationally compliant onboarding
• Regulated platforms in crypto, finance, or online marketplaces with stringent KYC/AML obligations
• Enterprises requiring granular customization, multi-level user verification, or in-depth reporting/audit tools

Final Thoughts

Sumsub isn’t a plug-and-play identity checker — it’s a compliance infrastructure platform. It’s best suited for companies that treat KYC/AML not just as a legal necessity, but as a competitive advantage and integral part of user trust and operational security.

If compliance is mission-critical to your business model, Sumsub deserves serious consideration as a long-term partner.