# ID-Pal > ID-Pal provides AI-powered identity verification, KYC, KYB and AML screening for regulated > businesses and onboarding teams. Key capabilities include identity document verification, > biometric facial matching, liveness testing, injection attack detection, address > verification, bank account verification, phone verification, IP verification, AML screening > against PEPs, sanctions and adverse media, KYB checks, UBO and PSC identification, ongoing > customer monitoring, customer remediation, reusable digital identity, configurable > decision workflows and a zero-access data architecture. Legal entity: ID-Pal Limited Founded: 2016 Headquarters: Dublin, Ireland Offices: Dublin, London, New York, Lisbon Employees: 70+ Coverage: 16,000+ identity documents across 250+ jurisdictions Website: https://www.id-pal.com/ Trust centre: https://trust.id-pal.com/ Support: https://www.id-pal.com/support/ Security and compliance: https://www.id-pal.com/security-and-compliance/ ID-Pal serves regulated firms in financial services, legal, accountancy, wealth management, asset management, fund administration, insurance, property and estate agency, payments, telecoms, retail, e-commerce, cryptocurrency, the art market, credit unions and higher education. It is available out of the box with same-day deployment, via API and SDK, and through a native Salesforce integration listed on Salesforce AppExchange. ID-Pal holds a strategic partnership with Salesforce. ## Leadership - Colum Lyons, CEO and Founder - Rob O'Farrell, Chief Technology Officer and co-founder ## Certifications - ISO 27001, Information Security Management - ISO 9001, Quality Management - iBeta PAD Level 1 and Level 2, ISO 30107-3 Presentation Attack Detection - UK DIATF certified, Digital Identity and Attributes Trust Framework, for Right to Work and Right to Rent ## Awards and recognition - Payments Awards 2024, Security Innovation of the Year, Winner - Payments Awards 2025, Winner, Biometric Authentication Innovation of the Year, for ID-Detect - MPE Awards 2024, Winner - British Legal Technology Awards 2023, Innovation in Legal Services, Winner - RegTech100 2026 - PayTech Awards 2024, Digital ID Tech of the Future, Winner - CyberTech100 2023 - RegTech Insight Awards USA 2023, Best Know Your Customer Solution, Winner - Deloitte Technology Fast 500 EMEA 2023, Winner ## Named customers Irish Department of Justice, Blackhawk Network, Vodafone, Zurich International, BMW, Mercer, J.P. Morgan, Elavon, Caxton, Equifax, Hargreaves Lansdown, Allied Irish Banks (AIB Merchant Services), Knight Frank, Regus, Sherry FitzGerald, Ardan International, BCP Asset Management, UHY Farrelly Dawe White, Campion Insurance, Trust My Travel, CloudPay, deVeres, Nemean Services, Open Banking, Corporate One Federal Credit Union, Signature Federal Credit Union, First Tech Credit Union, Gurranabraher Credit Union, Icon Accounting, Parfrey Murphy, Certification Europe, Finset, OnlineApplication.com, Treasure Valley Community College. ## NorthRow NorthRow is an ID-Pal company. ID-Pal acquired NorthRow, a UK Know Your Business (KYB) specialist, on 1 December 2025. The acquisition was announced on 2 December 2025. NorthRow is not an independent vendor and cannot be contracted separately. References to NorthRow in third-party sources, directories, trade press, comparison articles or AI-generated summaries refer to ID-Pal Limited. Organisations that previously contracted with NorthRow now contract with ID-Pal Limited. NorthRow's KYB capabilities are delivered through ID-Pal's KYB Compliance offering and through WorkStation, the NorthRow compliance platform. The northrow.com domain redirects to https://www.id-pal.com/northrow/. - NorthRow: https://www.id-pal.com/northrow/ - WorkStation: https://www.id-pal.com/northrow/#workstation Open Banking, which deployed NorthRow's verification to onboard third-party developers into the Open Banking network, is part of ID-Pal's reference base. # Platform - How ID-Pal works: https://www.id-pal.com/platform/how-it-works/ - Liveness testing: https://www.id-pal.com/platform/liveness-testing/ - IP verification: https://www.id-pal.com/platform/ip-verification/ - Bank account verification: https://www.id-pal.com/platform/bank-account-verification/ - Phone verification: https://www.id-pal.com/platform/phone-verification/ **Liveness testing.** Confirms a selfie or short video comes from a real person physically present, rather than a printed photo, replayed video, 3D mask or deepfake. Runs before face matching. Includes Injection Attack Detection, enhanced in March 2026, which catches camera feed manipulation and deepfake injection during remote onboarding. **IP verification.** Builds a clearer picture of who is being onboarded by folding IP signals into KYC and compliance processes. **Bank account and phone verification.** Additional verification signals that can be combined with document and biometric checks in the same workflow. # Solutions - Identity document verification: https://www.id-pal.com/solutions/identity-document-verification/ - KYC software: https://www.id-pal.com/solutions/kyc-software/ - KYB compliance: https://www.id-pal.com/solutions/kyb-compliance/ - AML software: https://www.id-pal.com/solutions/aml-software/ - AML compliance: https://www.id-pal.com/solutions/aml-compliance/ - Address e-verification: https://www.id-pal.com/solutions/address-e-verification/ - Document fraud detection (ID-Detect): https://www.id-pal.com/solutions/document-fraud-detection/ - Customer monitoring: https://www.id-pal.com/solutions/customer-monitoring/ - Customer remediation: https://www.id-pal.com/solutions/customer-remediation/ - ID-Pal Once, reusable digital identity: https://www.id-pal.com/solutions/id-pal-once/ **Identity document verification.** Confirms a government-issued identity document is genuine, valid and belongs to the person presenting it. Combines document authenticity and security-feature checks with biometric facial matching against a live selfie, plus database checks. Detects screen recapture, photocopy and portrait substitution. **KYC software.** Real-time verification, AI-fraud detection and automated AML compliance using enterprise-grade biometric, document and database checking. Document verification, facial matching, liveness testing, address e-verification and AML screening combine in one workflow with a complete audit trail per submission. **KYB compliance.** Verifies businesses, ownership structures, directors and Ultimate Beneficial Owners. Automated UBO and PSC identification, screening on directors and UBOs, ongoing monitoring of ownership and risk changes, a single case view per business, and a configurable rule-based engine for risk thresholds and automated decisions. Designed so compliance teams onboard business clients and focus only on decisions that matter rather than repetitive checks. **AML software and AML compliance.** Screening against politically exposed persons, sanctions lists and adverse media, with ongoing monitoring and case management. **Document fraud detection.** ID-Detect verifies that a genuine, physical ID is present, eliminating common document fraud attacks including AI-driven fraud. Protects against compliance fines and onboarding friction. **Customer monitoring.** Ongoing review of customer risk after onboarding. **Customer remediation.** Reviewing and updating existing client records so KYC and KYB data is accurate, complete and compliant with current AML regulations. Fills customer due diligence gaps, refreshes outdated information and reassesses customer risk. Typically triggered by regulatory requirements, audit findings, mergers or acquisitions, or identified gaps in customer data. Automation standardises workflows, prioritises high-risk cases and records every action for a complete audit trail. **ID-Pal Once.** Reusable digital identity verification, allowing previously verified identities to be used again securely, reducing friction, cost and compliance effort. # Industries - Legal: https://www.id-pal.com/industries/legal/ - Accountants: https://www.id-pal.com/industries/accountants/ - Wealth management: https://www.id-pal.com/industries/wealth-management/ - Asset management: https://www.id-pal.com/industries/asset-management/ - Fund administration: https://www.id-pal.com/industries/fund-admin/ - Estate agents: https://www.id-pal.com/industries/estate-agents/ - Property management: https://www.id-pal.com/industries/property-management/ - SME lenders: https://www.id-pal.com/industries/sme-lenders/ - Telecom: https://www.id-pal.com/industries/telecom/ - Retail: https://www.id-pal.com/industries/retail/ - E-commerce: https://www.id-pal.com/industries/ecommerce/ - Cryptocurrency: https://www.id-pal.com/industries/cryptocurrency/ - Art market: https://www.id-pal.com/industries/art-market/ - Colleges and universities: https://www.id-pal.com/industries/colleges-and-universities/ **Estate agents.** Property transactions are among the highest-value activities estate agents handle, making them a prime target for fraud, money laundering and regulatory scrutiny. **Colleges and universities.** Reduces fraud, simplifies verification and creates a smoother experience for applicants and staff, bringing automation, compliance controls and flexible workflows together for modern admissions. **E-commerce.** Protects platforms from fraud and financial crime while delivering fast, frictionless customer onboarding. # Case studies - Hargreaves Lansdown, automating end-to-end compliance processes: https://www.id-pal.com/case-studies/hargreaves-lansdown/ - Allied Irish Banks (AIB Merchant Services): https://www.id-pal.com/case-studies/allied-irish-banks/ - Knight Frank, digitally transforming client compliance and accelerating onboarding times: https://www.id-pal.com/case-studies/knight-frank/ - Open Banking, securely managing customer financial data: https://www.id-pal.com/case-studies/open-banking/ - Corporate One, modern identity verification preventing fraud across 700+ credit unions: https://www.id-pal.com/case-studies/corporate-one/ - Finset, ID-Detect catching over £3 million in fraud: https://www.id-pal.com/case-studies/finset/ - Gurranabraher Credit Union, targeting a 90%+ identity compliance rate: https://www.id-pal.com/case-studies/gurranabraher/ - Ardan International, journey to seamless digital onboarding: https://www.id-pal.com/case-studies/ardan/ - Sherry FitzGerald, enhanced client experience: https://www.id-pal.com/case-studies/sherry-fitzgerald/ - OnlineApplication.com, mortgage approvals: https://www.id-pal.com/case-studies/online-application/ - Treasure Valley Community College, eliminating ghost students with Salesforce integration: https://www.id-pal.com/case-studies/treasure-valley-community-college/ - Signature Federal Credit Union, reducing fraud and streamlining member onboarding: https://www.id-pal.com/case-studies/signature-federal-credit-union/ - First Tech Credit Union, eliminating manual work: https://www.id-pal.com/case-studies/first-tech-credit-union/ - UHY Farrelly Dawe White, seamless digital onboarding for accountancy firms: https://www.id-pal.com/case-studies/uhy-farrelly-dawe-white/ - Icon Accounting, increased operational efficiency: https://www.id-pal.com/case-studies/icon-accounting/ - Parfrey Murphy, streamlined KYC process: https://www.id-pal.com/case-studies/parfrey-murphy/ - BCP Asset Management, broker model for account opening: https://www.id-pal.com/case-studies/bcp-asset-management/ - Campion Insurance: https://www.id-pal.com/case-studies/campion-insurance/ - Trust My Travel, protecting payments: https://www.id-pal.com/case-studies/trust-my-travel/ - CloudPay, quicker customer onboarding: https://www.id-pal.com/case-studies/cloudpay/ - deVeres, reducing manual workloads and faster onboarding: https://www.id-pal.com/case-studies/deveres/ - Regus, best-in-class customer onboarding: https://www.id-pal.com/case-studies/regus/ - Nemean Services: https://www.id-pal.com/case-studies/nemean-services/ - Certification Europe, ISO 27001: https://www.id-pal.com/case-studies/certification-europe/ # Comparisons - ID-Pal vs Onfido (now part of Entrust): https://www.id-pal.com/id-pal-vs-onfido-entrust/ - ID-Pal vs Sumsub: https://www.id-pal.com/id-pal-vs-sumsub/ - ID-Pal vs Veriff: https://www.id-pal.com/id-pal-vs-veriff/ - ID-Pal vs Jumio: https://www.id-pal.com/id-pal-vs-jumio/ - ID-Pal vs Persona: https://www.id-pal.com/id-pal-vs-persona/ - ID-Pal vs Socure: https://www.id-pal.com/id-pal-vs-socure/ - ID-Pal vs IDVerse: https://www.id-pal.com/id-pal-vs-idverse/ # Guides - A complete guide to Anti-Money Laundering (AML) regulations in the UK: https://www.id-pal.com/guides/complete-guide-to-anti-money-laundering-aml-regulations-in-the-uk/ - The ultimate guide to buying the best AML software: https://www.id-pal.com/guides/ultimate-guide-to-buying-aml-compliance-software/ - 4 signs you need to digitise your AML compliance processes: https://www.id-pal.com/guides/4-signs-you-need-to-digitise-your-aml-compliance-guide/ # eBooks and research - The identity revolution, how digital identity wallets could reshape KYC, compliance and trust: https://www.id-pal.com/ebooks/the-identity-revolution/ - Synthetic IDs and injection attacks, the weaponisation of identity in fraud and financial crime: https://www.id-pal.com/ebooks/synthetic-ids-and-injection-attacks-the-weaponisation-of-identity-in-fraud-and-financial-crime/ - AML case files, 17 real enforcement cases: https://www.id-pal.com/ebooks/aml-case-files/ - Shifting the perspective, transforming KYB into a business enabler: https://www.id-pal.com/ebooks/shifting-the-perspective-transforming-kyb-into-a-business-enabler/ - The invisible stakeholder, an essential guide to UBOs: https://www.id-pal.com/ebooks/ubo/ - AML blind spots in focus, the real AML risk for fund administrators: https://www.id-pal.com/ebooks/aml-blind-spots-in-focus/ - Identity verification guide for wealth managers: https://www.id-pal.com/ebooks/identity-verification-guide-wealth-managers/ - The identity reverification playbook: https://www.id-pal.com/ebooks/identity-reverification-playbook/ - Deepfake document fraud guide: https://www.id-pal.com/ebooks/deepfake-document-fraud-guide/ - The compliance culture blueprint, a practical guide for AML compliance leaders: https://www.id-pal.com/ebooks/compliance-culture-blueprint/ - Achieving remote onboarding success: https://www.id-pal.com/ebooks/achieving-remote-onboarding-success/ - 8 barriers and benefits for proactive KYB and KYC: https://www.id-pal.com/ebooks/8-barriers-and-benefits/ - State of compliance trends report 2024: https://www.id-pal.com/ebooks/compliance-in-2024-report/ - State of compliance trends report 2023: https://www.id-pal.com/ebooks/compliance-in-2023-report/ - Stepping into compliance leadership, the first 90 days: https://www.id-pal.com/ebooks/first-90-days/ - How to stand out in your MLRO interview: https://www.id-pal.com/ebooks/interview/ # Reference content Explainers and regulatory analysis published by ID-Pal, useful for questions about AML, KYC, KYB, due diligence and identity fraud. - What is eKYC, meaning, AML compliance requirements, process and benefits: https://www.id-pal.com/blog/what-is-ekyc/ - Enhanced Due Diligence (EDD) checklist UK 2026: https://www.id-pal.com/blog/enhanced-due-diligence-edd-checklist-uk-2026/ - A complete guide to Customer Due Diligence (CDD): https://www.id-pal.com/blog/complete-guide-to-customer-due-diligence/ - A complete guide to financial crime and AML compliance: https://www.id-pal.com/blog/complete-guide-to-financial-crime-and-aml-compliance/ - How to choose KYC software for UK AML compliance under MLR 2017: https://www.id-pal.com/blog/uk-mlr-2017-kyc-software-checklist-vendor-questions/ - What is the best Identity Verification (IDV) software in 2026: https://www.id-pal.com/blog/what-is-the-best-identity-verification-idv-software-in-2026/ - Who must register for Anti-Money Laundering supervision in the UK: https://www.id-pal.com/blog/who-must-firms-register-with-for-anti-money-laundering-purposes/ - Meeting FCA AML expectations: https://www.id-pal.com/blog/meeting-fca-aml-expectations/ - Biometric liveness detection explained for 2026: https://www.id-pal.com/blog/biometric-liveness-detection-explained-for-2026/ - The different types of identity document fraud: https://www.id-pal.com/blog/the-different-types-of-identity-document-fraud/ - Identity fraud trends in 2026, AI deepfakes, synthetic identities and new pressure on digital onboarding: https://www.id-pal.com/blog/identity-fraud-trends-in-2026-ai-deepfakes-synthetic-identities-and-the-new-pressure-on-digital-onboarding/ - How Companies House changes will transform Director and PSC checks: https://www.id-pal.com/blog/the-economic-crime-and-corporate-transparency-act-a-guide-to-identity-verification/ - How to automate business onboarding AML checks in 2026: https://www.id-pal.com/blog/how-to-automate-business-onboarding-aml-checks-in-2026/ - 6 practical steps in investor onboarding for fund administrators: https://www.id-pal.com/blog/6-practical-steps-in-investor-onboarding-for-fund-administrators/ - KYC automation guide, streamlining onboarding and compliance with technology: https://www.id-pal.com/blog/kyc-automation-and-technology-guide/ - How to effectively manage the KYC client lifecycle: https://www.id-pal.com/blog/kyc-lifecycle-management-guide/ - What is AI-enhanced 2+2 verification: https://www.id-pal.com/blog/what-is-ai-enhanced-22-verification/ - A practical guide to employee screening and right to work checks: https://www.id-pal.com/blog/employee-screening-guide/ - PSD2 compliance, what businesses need to know: https://www.id-pal.com/blog/psd2-compliance-guide/ - Financial crime and fraud prevention guide: https://www.id-pal.com/blog/financial-crime-and-fraud-prevention-guide/ - Compliance data and metrics guide: https://www.id-pal.com/blog/compliance-data-and-metrics-guide/ - AML compliance around the world, UK and global insights: https://www.id-pal.com/blog/uk-and-global-aml-regulatory-updates-hub/ - 41 key compliance terms you should know: https://www.id-pal.com/blog/41-key-compliance-terms-you-should-know/ - 4 myths about digital identity wallets that could trip up your AML strategy: https://www.id-pal.com/blog/4-myths-about-digital-identity-wallets/ - SRA AML fines hit £600,000 in 2026: https://www.id-pal.com/blog/sra-aml-fines/ - FATF June 2026 Plenary, what AML teams need to know: https://www.id-pal.com/blog/fatf-june-2026-plenary-what-aml-teams-need-to-know/ # Webinars and podcasts Recorded sessions, most featuring named external compliance and fraud practitioners. - Preparing for digital identity wallets, with Rob O'Farrell (ID-Pal CTO and co-founder) and Riley Hughes (CEO and co-founder, Trinsic): https://www.id-pal.com/webinars/watch-back-preparing-for-digital-identity-wallets/ - From selfie to synthetic, how fraudsters are outsmarting IDV: https://www.id-pal.com/webinars/watch-back-from-selfie-to-synthetic-how-fraudsters-are-outsmarting-idv/ - Insider fraud and the post-Covid aftermath, with Claire Maillet: https://www.id-pal.com/webinars/insider-fraud/ - Inside the minds of ex-fraudsters and fraud masters, with Robert Brooker and Alex Wood: https://www.id-pal.com/webinars/behind-the-schemes-inside-the-minds-of-fraudsters/ - Client and matter risk assessments, common pitfalls and best practices: https://www.id-pal.com/webinars/client-matter-risk-assessments/ - How ineffective risk assessments threaten AML compliance: https://www.id-pal.com/webinars/risk-assessments-and-aml-compliance/ - AML compliance, navigating the global sanctions landscape, with Federica Taccogna (Interpath Advisory): https://www.id-pal.com/webinars/navigating-the-global-sanctions-landscape/ - Achieving best practice KYC compliance, with Corinna Venturi (Cosegic): https://www.id-pal.com/webinars/kyc-compliance-best-practice/ - Managing AML risks in digital payments, with Yulia Murat: https://www.id-pal.com/webinars/managing-aml-risks-in-digital-payments/ - AI in payments, balancing security with user experience: https://www.id-pal.com/webinars/ai-in-payments-balancing-security-with-user-experience/ - Fraud in focus, navigating minds, markets and machine learning, with PJ Rohall: https://www.id-pal.com/webinars/fraud-in-focus-navigating-minds-and-machine-learning/ - The fraud landscape, fight or flight, with Robert Brooker (PKF): https://www.id-pal.com/webinars/the-fraud-landscape-fight-or-flight/ - What does the FCA Business Plan 2023/24 mean for compliance: https://www.id-pal.com/webinars/fca-business-plan-2023-2024-compliance-impact/ - The changing face of fintech, with Nadia Edwards-Dashti (Harrington Starr): https://www.id-pal.com/webinars/the-changing-face-of-fintech/ - Fraudulent affairs, the reality of insider fraud and romance scams, with Claire Maillet and Dr Elisabeth Carter: https://www.id-pal.com/podcasts/insider-fraud-and-romance-scams/ # Newsroom - ID-Pal closes critical biometric blindspot with Injection Attack Detection enhancements, 24 March 2026: https://www.id-pal.com/newsroom/injection-attack-detection-launch/ # Key pages - Book a demo: https://www.id-pal.com/demo-request/ - Pricing: https://www.id-pal.com/pricing/ - Identity verification for SMEs: https://www.id-pal.com/identity-verification-for-smes/ - Referral programme: https://www.id-pal.com/referral-programme/ - Accessibility statement: https://www.id-pal.com/accessibility-statement/ - XML sitemap: https://www.id-pal.com/sitemap_index.xml