KYC and AML for payment providers
ID-Pal delivers high-assurance digital identity verification and AML screening for payment providers, enabling effortless compliance, reduced fraud and enabling secure customer and merchant onboarding.
99% accuracy on verification results
Reduce manual reviews and onboard faster
Verify across 250+ jurisdictions globally
Identity verification and AML compliance for payments
Secure identity verification for payment providers, merchants, card schemes and PSPs
Verify customers and merchant representatives in real time with identity checks and AML screening tailored to the compliance requirements of payment providers. Protect sensitive personal data, reduce onboarding abandonment and strengthen your defences against identity fraud.
Deter fraudsters with AI-powered defences
The more verification layers present, the harder it is for fraudsters to win. Most importantly, the user journey is easy and friction-free.
Reduce false positives and manual work
Verify the details submitted by an individual match their ID. Gain confidence in the identity of your clients, members or customers.
Transform onboarding from complex to clear
Capture, verify and securely store data from any point of onboarding to align offline and digital channels and onboard customers faster.
Zero access to customer data
ID-Pal is ISO 27001 and 9001 certified and has no access to data during verification. Your data remains encrypted while in transit or at rest.
Verify identities up to 300x faster
Based on estimated savings and industry averages
Stop fraud before it reaches your business with identity verification built for accuracy, scale, and speed. ID-Pal helps you verify customers globally, reduce manual reviews, and make confident decisions backed by trusted data.
Multi-layered digital identity verification for payments
How our tools support compliance for payment providers
ID-Pal’s real-time identity verification and AML screening solution increases conversion rates, prevents fraud at source, ensures robust compliance whilst safeguarding your business from fraud. Both ISO 27001 and 9001 certified, regulated payment providers can easily integrate ID-Pal via API or SDK, or off-the-shelf into existing systems and workflows.
Identity verification software
Transform your business with ID-Pal’s complete identity verification and risk intelligence platform that combines document, biometric, database and address checks in a single, configurable workflow.
Liveness detection
Liveness checks confirm a real, live person is completing your identity verification process. ID-Pal liveness testing instantly assesses micro-variations in fraudulent techniques. Our liveness testing technology is independently certified to prevent the latest presentation attacks.
PEPs and sanctions screening
Screen individuals in real-time against global PEPs and sanctions lists. Perform adverse media checks across live sources and easily enroll individuals for periodic risk screening and ongoing monitoring.
Document checks
With coverage across 16,000+ identity documents, ID-Pal performs up to 70 technical checks per document, to ensure authenticity and confidently reject suspicious submissions.
Address verification
Reduce onboarding times with address verification. ID-Pal verifies an individual’s name and address against multiple databases during onboarding, ensuring one clear address match and removing the need for a separate proof of address document.
Business verification
Our Know Your Business (KYB) verification software is the smarter way to verify businesses, identify beneficial owners and make confident onboarding decisions.
Facial matching biometrics
Our cutting-edge facial matching technology instantly confirms that the face in a submitted ID matches the person present. ID-Pal’s algorithms encode faces into high-dimensional vectors that can total thousands of dimensions, capturing skin texture, spatial geometrics and micro-features as part of our verification processes.
AML screening
Simplify complex Anti-Money Laundering (AML) and due diligence processes into a single, efficient workflow that allows you to meet AML requirements in any jurisdiction.
Advanced document fraud detection
ID-Detect eliminates common document fraud attacks by verifying that a genuine, physical ID is present. Protect your business from AI-driven fraud, compliance fines and onboarding friction.
Trusted by the payments industry
ID-Pal's ability to deliver a bespoke solution that combines automated identity checks with the added security of face-to-face verification made it the obvious choice when deciding which firm to partner with to securely deliver Open Banking.
Nigel Spencer, Head of Support Services
Open Banking
Fully certified and industry accredited
See how our platform works
Discover how ID-Pal helps you verify customers, detect fraud and manage compliance. Get in touch for a no-obligation personalised walkthrough focused on your business needs.
99% verification accuracy
Real-time results
Zero access to customer data
Frequently asked questions
How does identity verification benefit payment providers and merchants?
Identity verification is a cornerstone for payment providers and merchants in safeguarding transactions and enhancing customer trust. It mitigates the risk of fraudulent transactions by ensuring that customers are who they claim to be. For payment providers and merchants, implementing robust identity verification processes means:
- Our solution helps meet global and local regulatory standards, including KYC (Know Your Customer) and anti-money laundering (AML) requirements, avoiding fines and legal issues.
- A seamless identity verification process enhances the customer journey, fostering loyalty and increasing conversion rates by minimising transaction friction.
Can bank acquirers, PSPs and card schemes easily integrate ID-Pal?
Our identity verification solution is designed for seamless integration across various platforms used by merchants, payment providers, bank acquirers, PSPs, and card schemes.
Our solution features robust integration options: out-of-the-box, API or SDK or via our Salesforce Integration. This ensures compatibility with existing systems, facilitating smooth onboarding and transaction processes without disrupting user experience.
We understand the diverse needs of bank acquirers, PSPs, and card schemes. Our platform offers customisable verification flows, allowing you to tailor the verification process to match your specific operational requirements and risk profiles.
As your business expands, our solution grows with you. It’s designed to handle increased verification volumes effortlessly, ensuring you can scale your operations while maintaining high security and compliance standards.
How can ID-Pal support merchant onboarding?
Merchant onboarding involves understanding both the business applying and the individuals behind it. ID-Pal’s identity verification capabilities can help verify relevant individuals, including directors, beneficial owners and authorised representatives.
Combined with business verification and screening, these checks support a more complete assessment of the merchant relationship. Verifying an individual’s identity does not, by itself, establish their authority to represent a business, so this should sit alongside checks on ownership, control and authorisation.
What is the difference between KYC and KYB in payments?
Know Your Customer (KYC) focuses on understanding and verifying an individual customer. Know Your Business (KYB) focuses on establishing the identity and structure of a business, including relevant ownership and control information.
For payment providers onboarding merchants, both may be needed. KYB helps establish which business is applying, while identity verification helps confirm who its relevant owners and representatives are. Bringing these checks together supports more informed onboarding decisions and helps identify inconsistencies between the application and the people associated with it.
How can payment providers reduce onboarding abandonment without weakening verification?
A clear digital verification journey can reduce the effort required from genuine applicants. ID-Pal allows customers and merchant representatives to submit identity information remotely, while automated checks reduce reliance on manual document inspection and repeated exchanges with onboarding teams.
Configuring the journey around the information needed for each applicant helps avoid unnecessary steps. Applications that need further attention can be reviewed by staff, allowing payment providers to balance a straightforward onboarding experience with appropriate scrutiny of higher-risk submissions.
Find out how we can help your business grow
