Scalable Compliance for IaaS and BaaS

Compliant issuing at scale

Launch and scale card issuing programs faster with unified compliance

Power embedded finance and card issuing with global KYC, KYB, AML monitoring, and QES-compliant flows.
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20 sec
average end-user onboarding time
15 sec
average business verification time
90%
fewer false positives in AML reviews
23K+
fraud samples analyzed every day

Compliance for every stage of scale

Tailor compliance for any issuing model
Support debit, credit, prepaid, virtual, local, international, loyalty, corporate, fleet, gift, and wallet programs in one platform. Configure the right logic and adhere to regulations, including PCI DSS, KYC, and AML, while managing fraud under your card program.
Scale across multiple clients in one platform
Operate one compliance platform for your entire portfolio. Take advantage of multi-tenant orchestration to set up rules, risk models, and reporting to ensure consistency as you add new programs.
Onboard cardholders at scale
Verify issuing clients in 15-seconds on average with KYB and cardholders in 20-seconds on average with KYC. Use risk-based automation to ensure a smooth journey for genuine users and escalate only when risk rises.
Prove decisions to regulators and clients
Demonstrate the automation logic, how decisions were made, and why actions were taken. Keep full audit trails across onboarding, monitoring, and reviews ready for client due diligence and regulatory audits.
Expand into new markets with confidence
Support global coverage and adaptable compliance logic for cross-border growth without building your stack, across 220+ countries, territories, and jurisdictions.

Built to scale compliance, not slow down your card program

  • Onboard cardholders without friction
    Verify end-users in 20 seconds on average while meeting card networks’ and regulatory rules with document, Non-Doc, and liveness checks, and AML screening. Reduce drop-offs, keep pass rates high, and stay audit-ready.
  • Verify issuing clients at scale
    Verify business clients, banks, and financial service providers with lightning fast registry checks, UBO verification, and AML screening with average approval in 15 seconds.
  • Stay AML-compliant
    Monitor card and account activity for suspicious patterns as money moves. Flag and block suspicious behaviour to prevent financial crimes. Turn AML matches into regulator-ready reports with clear links to onboarding and monitoring data.
  • Prevent fraud across the issuing lifecycle
    Protect sign-ups, logics, and payments with one platform. Combine identity, device, behavioural, and network signals to block fraudsters and synthetic identities. Keep genuine cardholders moving without friction.
  • Keep risk under control
    Risk doesn’t end at onboarding. Monitor users, businesses, and transactions continuously to catch changes early, reduce risk, and avoid disputes before they escalate.
  • Reuse verified identities
    Skip repeat onboarding across programs. Reusable KYC enables verified users to move between issuers with a quick liveness check. Cut onboarding time to under 10 seconds, boost conversion, and stay fully compliant.
  • Run every program in one platform
    Manage all clients, programs, and regions in one platform. Multi-tenant orchestration enables you to reuse rules, adapt risk models for each client, and keep reporting consistent as you scale.
  • Win more, launch faster, with Sumsub
    Win fintech RFPs with compliance that stands up to security. Launch and scale new programs in days instead of months. Cut onboarding operations cost per client by replacing fragmented KYC, KYB, and AML vendors with one platform.

Qualified Electronic Signature for EU-wide issuing

Launching card programs across the EU requires strong, harmonized customer onboarding that regulators trust. With Qualified Electronic Signature (QES), Sumsub enables issuers to verify and onboard customers using a single, legally recognized method across the European Union.

    One compliant onboarding standard across the EU

    QES delivers the highest level of electronic signature under eIDAS, ensuring identity verification that is regulator-grade and audit-ready.

    Accelerate cross-border card program launches

    Move beyond fragmented country-specific onboarding flows and launch fintech clients faster with a unified verification approach.

    Reduce compliance risk while scaling volume

    Strong identity assurance and tamper-proof signing help issuers grow safely across jurisdictions.

    Launch card programs faster across the EU

    A single verification flow to simplify compliance and support scalable EU-wide issuing. 

    Let the numbers
    do the talking

    Independent research by Forrester Consulting revealed that companies using Sumsub’s all-in-one verification platform achieved a 240% ROI. On top of that, the study found that Sumsub actively drives revenue growth and improves operational efficiency. Want to see the measurable impact Sumsub can make on your bottom line?

    240%
    ROI
    3.21m
    NPV
    4.55m
    Benefits PV
    < 6
    month payback

    How Sumsub fits into your platform

    Step 1
    Step 2
    Step 3
    Step 4
    Integrate using Sumsub’s APIs to send applicant data and documents for verification. Use the Sandbox mode to test flows safely, then switch to Production mode with the same setup.
    Step 1
    Step 2
    Step 3
    Step 4

    Trusted by 4,000+ happy clients.
    Here’s what they have to say

    • 8,100+
      financial institutions
      We are pleased to partner with Sumsub, following a rigorous due diligence process. As part of our ongoing mission to reimagine banking in an ecosystem-driven world, not only do we provide business and technology expertise, we also aim to be trusted consultants and partners to our clients. We remain committed to referring best-in-class solutions that meet their unique requirements.
      Read more
      Achim Thienel
      Achim Thienel
      Managing Director Germany and Product Director, Universal Banking at Finastra
    • 63%
      onboarding time reduction
      Sumsub gave us the flexibility to stay compliant across three jurisdictions without building three separate onboarding systems. The workflow engine and analytics have been game changers.
      Read more
      Evelina Hoque
      Evelina Hoque
      Chief Compliance Officer at Noah
    • 60%
      faster onboarding time
      Sumsub’s solution solves our challenges by automating verification, reducing manual work, and speeding up onboarding. What stands out most is its accuracy, global coverage, and built-in AML Screening, which help us scale efficiently while maintaining compliance and a smooth user experience.
      Read more
      OluwaToyin Fakorede
      OluwaToyin Fakorede
      Head of Compliance at Raenest
    • 99%
      pass rate
      Integrating Sumsub's verification solutions has significantly improved our platform's security and trustworthiness, leading to smoother transactions and greater peace of mind for our users.
      Read more
      Juan Andreu
      Juan Andreu
      CTO at El Dorado
    • 0.6 sec
      median processing time
      Since partnering with Sumsub, we’ve been able to establish a reliable and efficient verification process from the ground up. This has allowed us to onboard clients much faster, reduce errors, and create a smooth and optimized customer journey.
      Read more
      Alexey Reshko
      Alexey Reshko
      Chief Operating Officer at Transferra
    • Identity Verification
    • Address Verification
    • Fraud Detection
    • Anti-Money Laundering

    Need the Ideal Solution?

    Choose G2's Top Pick

    Optimize your fraud detection and response strategy, where cost reduction is achieved effortlessly. Avoid internal development expenses with easy configuration and pre-designed anti-fraud rules.

    • 73

      Net Promoter Score

    • 92%

      Ease of use

    • 90%

      Ease of setup

    * According to G2 2025 Identity Verification Spring Report

    Resources for scaling compliant issuing platforms

    FAQ

    • Can I manage multiple issuing models in Sumsub?

      Yes. You can support debit, credit, prepaid, virtual and more models in one platform. You can reuse rules, adapt logic per program, client or country, and avoid rebuilding compliance flows from scratch as you grow.

    • Does Sumsub support global issuing across regions and card networks?

      Sumsub is built for global scale. Verify 14,000+ documents from 220+ countries, check businesses against 650M+ state and 3rd party corporate registries, and use 300+ ready-to-use risk scenarios.

    • Can I manage multiple issuing clients in one platform?

      Yes. Multi-tenant orchestration lets you run all programs in one platform. Standardize or customize reporting, reuse rules, and adjust risk models per client without fragmenting operations. 

    • How can I explain decisions to regulators and partners?

      Every decision is traceable in Sumsub. For each KYC, KYB, and AML check, you get full records based on the rule sets you’ve established for each tenant.

    • Will compliance slow down new issuing program launches?

      No. Sumsub enables fast onboarding at scale. Cardholders are verified in about 20 seconds and issuing clients in about 15 seconds, allowing you to launch new programs quickly without compromising compliance.

    • How does compliance impact revenue and conversion?

      Fast, risk-based onboarding reduces drop-offs and helps genuine users start transacting sooner. Independent research by Forrester found Sumsub delivers a 272% ROI and a $661,000 net present value.

    • Why shouldn’t we use separate platforms for KYC, KYB, AML, and fraud?

      Using separate tools increases cost, complexity, and risk. Sumsub unifies onboarding, monitoring, and fraud prevention so decisions stay clear and defensible to regulations. 

    • How does Sumsub support scale as issuing volumes grow?

      Automation and reusable workflows enable compliance to grow without increasing manual reviews. As volumes increase, you can scale programs without proportionately increasing operational overhead.