Sumsub

Rating 4.22 /5

This score is based on user ratings and our scenario based testing.
Service Provided By Sumsub
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Overview

Sumsub

Sumsub aims to make the world a better place through KYC, KYT, and AML solutions and it remotely mitigates fraud. Sumsub is recognized as an all-in-one verification service platform globally. Sumsub is committed to helping businesses expand compliantly.

Verification supporting stats
6.5K+

documents

220+

Countries

37+

Languages

Services provided by Sumsub

KYC Suite

  • Face Biometric Verification
  • Document Verification
  • Age Verification
  • eID Verification
  • Reusable KYC
  • Video KYC
  • Liveness Detection
  • Perpetual KYC
  • Address Verification

AML

  • AML for Business
  • PEP Screening
  • Watchlists Screening
  • Adverse Media Screening
  • Risk Assessment
  • Fitness & Probity Checks
  • Sanctions Screening
  • On-going Monitoring

Others

  • Know Your Business (KYB)
  • Know Your Transaction (KYT)
  • Payment Fraud Prevention
  • OCR for business
  • ID Number Checks
  • ESign
  • Hardware Scanner Devices
  • Flexible delivery model
  • 2FA Verification
  • On-premises verification
  • NFC Verification
  • Identity Access Management
  • Travel Rule
  • Phone Risk Assessment
  • Email Risk Assessment
  • Regulatory Reports

Our Evaluation

KYCWeb

  • 15-20 mins in EST office hours with representative having friendly and upbeat tone.
  • Supports the most integration methods with SDKs, PHP, Node, Javascript, etc.
  • Clear and concise messaging helps the user navigate the journey, ensuring that the flow of the journey remains clear and easy to follow. It also eliminates confusion and minimize any potential frustration, making the journey more enjoyable and seamless.
  • They uses AI algorithms and machine learning for accurate identity verification, ensuring regulatory compliance effortlessly.
  • It offers a customizable, intuitive interface, enhancing operational efficiency and providing a seamless user experience.
  • Sumsub’s smooth verification process and proven success in various services demonstrate its effectiveness and reliability.

  • Improvements could be made for capturing counterfeit documents.
  • The UI gets cluttered sometimes and it misses out on some UX features affecting operational efficiency.
  • Users may face a learning curve when configuring workflows in Sumsub, and the customization options may be limited.
  • Occasionally, technical errors may occur, and the support may lack technical depth in their responses. However, these issues are resolved promptly, and lessons are learned from mistakes.
  • Documents are rejected without clear explanations, and contacting support for KYC/AML issues can be challenging due to limited contact options.
4.6 This score is based the costumer journey on desktop and mobile phone.
Ease of Use

Industry average: 4.5

4.6 This score is based on the response time of the customer support in different scenarios .
Quality of Support

Industry average: 3.9

3.3 Based on the response time and accuracy on fraudulent /originals documents from multiple countries
Accuracy Score

Industry average: 3.5

  • Documents Testing
  • 3.5 Accuracy Rating

7-10 mins processing time with high original documents verification. Improvements could be made for capturing counterfeit documents.

Accuracy - Fake Document Testing
10%

  • Accepted - ID Cards
  • Declined - ID Cards
  • UAE
  • Austria
  • Turkey
  • USA
  • France
  • Netherland
  • Spain
  • Germany
  • Poland
  • Italy
Accuracy - Original Document Testing
100%

  • Accepted
  • Not Supported
  • Declined
  • ID Cards
  • Passport
  • License
KYC Journey

Rating & Comments

Rating:4.8

Comments:Comments: Good design with smooth user flow with plenty of instructions and confirmation popups. Capture screen has marked outlines which assists the users to place their documents in it.

User Consent & On-Boarding

Pros: Informs the user about the terms and conditions and asks for consent to process personal data, which is important for maintaining transparency and compliance with data privacy regulations.

Cons: The multilingual option is missing, which could be an issue for users who are more comfortable reading in their native language. Additionally, the user currently has to do two clicks on this screen, which could be seen as a minor inconvenience compared to other solutions like Shufti Pro which only require a single click for consent.

Convenience On Document Capturing

Pros: The stepper guide above helps the user navigate through the verification process, making it clear what the next steps are, which improves the user experience.

Cons: The size of the Iframe is not consistent, which could be confusing for users and may make the process less intuitive.

Convenience On Selfie Capturing

Pros: Instructions are clearly visible, with the help of typography (bold text) and images. The “Continue button on mobile” is also getting the required attention. If the user wants to take a selfie for identification, the gif provides complete instructions and guidance to the user, and the option to continue on the phone is still available. The steps are very clear and well defined, which makes the process easy to follow.

Cons: Size of Iframe is not consistent, which could be confusing for users and may make the process less intuitive.

Overall KYC Journey Smoothness And Culmination

Pros: The content shows that the verification process has been completed, which is important for users to know that they have successfully completed the process.

Cons: There is no message for the user to know what to do next, which could be confusing for users and may make the process less intuitive. It could be beneficial to add a message or a guide to indicate what the next steps are after the verification is completed.

KYC Journey

Rating & Comments

Rating:4.8

Comments:Clear and concise messaging helps the user navigate the journey, ensuring that the flow of the journey remains clear and easy to follow. It also eliminates confusion and minimize any potential frustration, making the journey more enjoyable and seamless.

User Consent & On-Boarding

Pros: Sumsub starts the process with email verification, which helps the system identify new users and ensures a smooth start to the journey. This is beneficial for companies as it provides an added layer of security and helps prevent fraud. Email verification also helps to ensure that the user is who they claim to be and that their information is accurate.

Cons: Explicit user consent for documen sharing and storage is not taken.

Convenience On Document Capturing

Pros: The country selection menu is user-friendly and easy to navigate, and the document type selection process is straightforward. This allows for a streamlined process and minimizes confusion for the user. This improves the user experience and increases the chances of successful verification, reducing the chances of abandoned journeys.

Pros: Sumsub utilizes in-app cameras, which are user-friendly and easy to use compared to other vendors. This improves the user experience and increases the chances of successful verification.

Pros: The instructions provided by Sumsub are clear and easy to understand, with the use of illustrations to aid in user comprehension. Additionally, the graphical representation of potential attempts helps users understand the process and increases the chances of successful verification. This improves the user experience and increases the chances of successful verification.

Convenience On Selfie Capturing

Pros: Sumsub utilizes in-app cameras, which are user-friendly and easy to use compared to other vendors. This improves the user experience and increases the chances of successful verification.

Pros: Sumsub includes an interactive gif to guide users through the biometric verification process, making it easy to understand and complete. This improves the user experience and increases the chances of successful verification

Overall KYC Journey Smoothness And Culmination

Pros: The process is user-friendly and easy to complete. Additionally, the overall flow of the verification process is designed to be comfortable for users, with minimal strain. This improves the user experience and increases the chances of successful verification.

Pros: Sumsub provides the option to update the document before submitting it for verification, ensuring that the information provided is accurate. This increases the chances of successful verification, reduces the need for manual review and follow-up, and improves the user experience by keeping them engaged while the verification process is ongoing, reducing the chances of abandoned journeys.

...

Support

Rating: 4.6

Comments:

15-20 mins in EST office hours with representative having friendly and upbeat tone.

Meetings

Tool Used For Calling

Zoom

Response Time

15-30 mins in EST working time zones. No reply outside EST working timezone.

Agenda:The meeting agenda was missing.

Scenario 1

Representatives have a friendly tone. Emails are energetic. Their guys reach out on their own. Emails are very professional.

Scenario 2

Their solution is fully customizable based on the traffic.

Scenario 3

Their support team is customer-centric. On skipping the call, they reach out to clients on mobile numbers and will also inquire about rescheduling the call.

Backoffice

Rating & Comments

Rating:4.6

Comments:Compared to the competitors, Sumsub’s backoffice provides helpful features for the merchants.

Login

Pros: Users are provided multiple options to sign in to the system. Copyrights are present below, along with the links to the Privacy Policy and Terms & Conditions.

Cons: The image on the right seems out of sync with the design system of Sumsub. Also, ReCaptcha is missing to avoid bot attacks.

Activation/Onboarding

    Pros: Onboarding is a streamlined process. Filling out the signup form user is directly routed to the dashboard.

    Cons: After landing in the dashboard user felt lost. As there is no guidance/tooltips.

Dashboard

    Pros: Sumsub provides a multilingual option in the backoffice. Here the user can see the stats of verification based on the verification status and countries’ volumes.

    Cons: The first view of the backoffice seems messy and cluttered.

Reports Verifications Transactions Checks EmbedID

    Pros: Sumsub has tried to provide maximum verification logs in the backoffice.

    Cons: Details of verification are hard to analyze. There is high cognitive load.

Billing

    Pros: Merchants are given the option to select the pricing plan through the back office. In addition, the merchants also have the option to view the plan details.

Settings

    Pros:

    • Merchants can update their profiles, including passwords, names, and 2FA settings. In addition to that, Sumsub provides the details of active sessions.
    • Required filters are also provided here, along with the functionality of adding new users to the system via roles.
    • Sumsub allows the merchants to customize the branding end fully. Regarding the feature that requires an additional cost, Sumsub has mentioned that openly and provided a link to contact the sales team to enable that.

Support

    Cons: Sumsub is providing an in-platform live support system. But it’s hard to track the requests and get the data for any historical query like Shufti Pro.

Product Demos

    Cons: No demos or guide is available.

Integration

Rating:4.8

Comments:Supports leading integration methods including Angular, Flutter, Java, etc. with good documentation and handful of integration facilities.

Integration Methods
IOS SDK

It’s available , SDK is easy to integrate with proper error messages.
Android SDK

To facilitate the developers Android SDK is also available.
React Native SDK (Expo Environment)

React SDK is available, and expo environment could be set up from react native site.
React Native SDK (CLI Environment).

It’s available please find plugin details on this link.
Npm Module For React Native

It’s available details are mentioned on Sumsub’s Developers Hub.
ReactJS SDK

Available. Here is the integration link .
Angular

Not available.
Flutter Plugin

Sumsub is providing this plugin to developers.
PHP/Laravel

This feasibility is provided by Sumsub.
Javascript

It’s available.
C#

available.
Java

Available
Hosted Verification Page

Available
REST APIs

It’s Available. Rest APIs are available, but API documentation is not properly structured. The developer might face stress in finding the exact APIs of his requirement.
Xamarin

Not Available
Apache Cordova Plugin

Available
Documentation Details
Explanation Through Flowcharts

Yes, available
Easy To Understand

SDKs are properly oriented, but API reference is not divided into sections. There should be sections segregated with categories.
All Documentations Are On The Same Page

Yes, documentation is updated.
Integration Facilities
Country-Based Restriction In SDK.

Available
Multi-Lingual Response Settings

Not Available
Custom Webhook Creation

Available
Custom Application Token

Available
Specific Permissions To The App Tokens

Available
IP Restriction On App Tokens

Available
Sample Codes In Different Languages

Available in Javascript, PHP, Python, Ruby
Sample Codes Android/IOS

Yes, available for both Android and iOS.
UI-Based SDK Settings

Branding customization is available
Auto-Code Generator

Not available.
Run API On Postman Right Away

Not available.
File Size Mentioned?

Yes, during KYC when the user uploads a document file. The size of the file is mentioned in the applicant’s data on the dashboard.
TTL Custom Time

No, SDK’s are using access token, whose default time is 10 minutes and in other APIs’s authentication is being handled through app-token and generated from the dashboard.
API Token Health Stats

Available.
Authentication Mechanism

Yes(App Tokens, Access tokens for SDKs) .
Average Response Time

Not Available.
Third-Parties Custom Integration
Twillio For SMS

Available.
Slack Bot

Webhooks for slack and telegram is available.
Google Signin

Available
Salesforce

Available
Other Specifications
NFC SDK

Available
Auto-Capture SDK

Not Available
Test ID Documents For Testing

Not Available
Verification Details
Device Details Against Verification

Available
Browser Details

Available
Detailed Verification Logs In The Backoffice

Available
System Logs

Active session logs Available.
Time Zone Setting

Not available.
Total Verification Time

It depends on the number of verification services and documents that are selected for KYC. Normally it takes 3 to 4 minutes. Sometimes it can take 17-18 minutes in verification process.

Compliance Perspective

  • GDPR
  • HIPAA
  • P2DS
  • CCPA
  • TCPA
  • FFIEC
  • ISMS
  • PIPA-BC
  • PIPEDA
  • NACHA
  • SOC 2 Type 1
  • SOC 2 Type 2
  • ISO/IEC 27001
  • ISO/IEC 27018
  • ISO/IEC 27017
  • PII
  • COPPA
  • PSD2
  • PCI DSS
  • ETSI EN 319 411-2
  • BNM EKYC
  • MTL
  • FCA
  • WAS 2.0
  • CIP
  • OFAC
  • MAS
  • FINMA
  • FATF
  • FinCEN
  • FINTRAC PCMLTFA
  • IBeta Certification - Face Liveness
  • Privacy Shield Framework
  • AML Anti-Money Laundering Compliance
  • NIST
  • PAD
  • Security Implementation
  • 2 Factor Authentication
  • VPN, IPSEC
  • AES-256 Encryption
  • AES-256 Encryption
  • TLS/SSL
  • SSO Signup
  • Schedule Audits
  • Auto Logout In Case Of Inactivity
  • Role/Permission Based Users
  • Crypto Compliance
  • FinCEN And FATF-Basedd Crypto Compliance
  • Verification Attributes
  • Custom Verification Flow
  • Behavior Data Monitoring
  • Browser And Geo-Location Tracking
  • Custom Instructions Addition
  • Provided List Of Documents
  • Age Restriction Setting
  • Custom Fuzzy Match Value
  • Ignore Middle Name Mismatch
  • Customize Documents Expiry Months
  • Custom Filed Extraction
  • Country-Based Settings For Front And Back Side Of Document
  • Custom Re-Try Option
  • Detailed Decline Reasons
  • Enhanced Document Settings
  • Verification Data Deletion Option
  • Export CSV/Excel Option
  • Export PDF Option
  • Decline Reason Stats On Dashboard

data retention policy

Rating:5

Comments:5 years data retention policy

Data Retention Tenure:

5 Years

Source Link:
Click Here
Screenshot

Customers

Updates

Sumsub Enables Non-Document UK Customer Onboarding in Five Seconds via Major Banks

Sumsub Joins Forces with dtcpay to Spearhead Secure Digital Currency Payments for Businesses

Sumsub Offers First Automated Solution for Responsible Gaming Control

Sumsub Announces New Partnership with AML Incubator to Streamline Identity Verification

KYCGrid

Exclusive Done-For-You Product Comparison

View research based comparison of 20+ KYC vendors in one place

Acesss Reserch

Pricing

Enterprise-Custom

Basic

$1.35

1 Verification

Compliance

$1.85

1 Verification

Flex /Starting

$1

1 Verification

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