Sumsub Know Your Customer (KYC) Integration Guide
2. Verification Journey
Payblr sets up three Sumsub verification levels for each client. Select the level before creating the applicant. Do not change the level after the applicant is created.
2.0 Verification Levels
Use the applicant's country of residence, not the document-issuing country. Replace <client> with the client name prefix. Do not invent a different suffix.
| Level | Who it is for | Proof of address | TIN / SSN |
|---|---|---|---|
<client>-kyc-individuals-address | All countries except the United States and High Risk countries | Not required | Not required |
<client>-kyc-individuals-address-tin | United States | Not required | Required |
<client>-kyc-individuals-poa-batch | High Risk countries | Required | Not required |
Selection rule
- 1United States: use
<client>-kyc-individuals-address-tinand collect TIN/SSN. - 2High Risk country: use
<client>-kyc-individuals-poa-batch. - 3Every other country: use
<client>-kyc-individuals-address. TIN and proof of address are not required.
Identity document, selfie or passive liveness, and the questionnaire are required on every level. Payblr maintains the High Risk country list and provides it during onboarding.
Journey steps
Identity Document
Selfie or Passive Liveness
Applicant Data
Proof of Address
Questionnaire
Result Processing
2.1 Standard Verification Steps
| Step | Purpose | What the Client Must Provide |
|---|---|---|
| Identity document | Verify the applicant's identity using an accepted government-issued document. | Government ID image(s). Accepted API document types include DRIVERSID_CARDRESIDENCE_PERMITPASSPORT. |
| Selfie / liveness | Confirm that the applicant is physically present and matches the identity document. | Level uses passive liveness. Applicant must provide a face photo. |
| Applicant data | Provide profile and address data. Include TIN/SSN only when the selected level requires it. | TIN/SSN is required only on <client>-kyc-individuals-address-tin. It is not required on <client>-kyc-individuals-address or <client>-kyc-individuals-poa-batch. |
| Proof of address | Confirm applicant residence only when <client>-kyc-individuals-poa-batch is selected. | Skip this step on <client>-kyc-individuals-address and <client>-kyc-individuals-address-tin. On <client>-kyc-individuals-poa-batch, identity may satisfy PoA when the preset allows it. Otherwise upload a dedicated PoA file using API idDocType: DRIVERSID_CARDRESIDENCE_PERMITUTILITY_BILLUTILITY_BILL2OTHER. |
| Questionnaire | Collect additional compliance or risk information. | Provide occupation, industry, work status, primary source of funds, expected monthly transaction volume, estimated annual income, and card terms acceptance. Questionnaire ID: beforeWeFinishWeJust. |
2.2 Level Requirements at a Glance
Identity, selfie, and questionnaire settings are shared. Proof of address applies only to <client>-kyc-individuals-poa-batch. TIN/SSN is required only on <client>-kyc-individuals-address-tin.
| Setting | Current Value |
|---|---|
| Identity types | DRIVERSID_CARDRESIDENCE_PERMITPASSPORT |
| Selfie | SELFIE |
| Applicant data | TIN/SSN required on <client>-kyc-individuals-address-tin only |
| Questionnaire | beforeWeFinishWeJust |
| Proof of address upload type | <client>-kyc-individuals-poa-batch only: DRIVERS, ID_CARD, RESIDENCE_PERMIT, UTILITY_BILL, UTILITY_BILL2, OTHER |
| Geolocation PoA | Not enabled |
2.2.1 Identity Document Requirements
Accepted document types include:
| Document Type | Description |
|---|---|
| Driver license | Government-issued driver identification document. |
| ID card | National or government-issued identity card. |
| Residence permit | Government-issued residence or immigration document. |
| Passport | Government-issued passport. |
2.2.2 Proof of Address Requirements
These documents apply only to <client>-kyc-individuals-poa-batch. Proof of address is not required on <client>-kyc-individuals-address or <client>-kyc-individuals-address-tin.
| Document Type | Description |
|---|---|
| Driver license | May be accepted if it includes the applicant's residential address. |
| ID card | May be accepted if it includes the applicant's residential address. |
| Residence permit | May be accepted if it includes the applicant's residential address. |
| Utility bill | Used to confirm residential address. |
| Government document | Official document showing the applicant's address. |
| Bank letter or statement | Bank-issued document showing the applicant's address. |
2.2.3 Questionnaire Requirements
| Field | Purpose |
|---|---|
| Occupation | Understand applicant employment profile. |
| Industry | Understand applicant industry or business activity. |
| Work status | Determine employment or income status. |
| Primary source of funds | Support source-of-funds review. |
| Expected monthly transaction volume | Support expected activity and risk review. |
| Estimated annual income | Support financial profile and risk review. |
| Card terms acceptance | Confirm acceptance of applicable card terms and conditions. |
Note: Accepted values for questionnaire and applicant profile fields are listed in the Allowed Values Reference section.
Next steps
Continue to API Integration to create the applicant, submit documents and questionnaire answers, request review, and retrieve the result.