Sumsub Know Your Customer (KYC) Integration Guide
2. Verification Journey
The standard applicant verification journey contains the following steps:
Journey steps
1
Identity Document
2
Selfie or Passive Liveness
3
Applicant Data
4
Proof of Address
5
Questionnaire
6
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 | Collect tax identifier information. | TIN is required by the level configuration. |
| Proof of address | Confirm applicant residence as required at the verification level. | 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
The level configuration exposes these requirements.
| Setting | Current Value |
|---|---|
| Identity types | DRIVERSID_CARDRESIDENCE_PERMITPASSPORT |
| Selfie | SELFIE |
| Applicant data | TIN required |
| Questionnaire | beforeWeFinishWeJust |
| Proof of address upload type | DRIVERSID_CARDRESIDENCE_PERMITUTILITY_BILLUTILITY_BILL2OTHER |
| Geolocation PoA | Not enabled on this level |
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
Accepted proof of address documents include:
| 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 SDK Integration to learn how to launch the Sumsub WebSDK or MobileSDK inside your applicant experience.