Question 1

What does ComplyCube do?

Accepted Answer

ComplyCube is an ISO-certified cloud-based platform for automated Identity Verification (IDV), Anti-Money Laundering (AML) screening, and Know Your Customer (KYC) compliance workflows. Designed developer-first with a REST API, mobile and web SDKs, no-code integration options, and CRM connectors, ComplyCube enables businesses to build end-to-end identity and compliance workflows without requiring multiple vendor relationships.

The platform covers over 220 jurisdictions and supports more than 10,000 document types, making it suitable for both Nigerian-focused deployments and multi-market expansions. Its transparent pricing model — where monthly subscription fees convert into a flexible credit pool usable across any check type, with billing only on successful verifications — makes it an attractive option for startups and growing businesses that want cost predictability.

## What the API Does

ComplyCube provides the following core verification products:

**Document Verification**: AI-powered analysis of government-issued IDs including Nigerian international passports, NIN slips, voter cards, and driver's licenses. The engine performs OCR extraction, security feature validation, tamper detection, and document template matching against its 10,000+ document library.

**Biometric Liveness and Face Match**: Selfie-based face verification against the document photo, with passive and active liveness detection to confirm physical presence and prevent spoofing.

**AML & Sanctions Screening**: Real-time and batch screening against OFAC, UN, EU, UK Treasury, and other global sanctions lists, PEP databases, and adverse media sources. Ongoing monitoring flags status changes on previously screened individuals.

**KYB (Business Verification)**: Corporate entity verification including registration documents, director identity checks, and UBO structure analysis.

## How Developers Use It

ComplyCube offers multiple integration paths:

1. **REST API**: Full programmatic control — create clients, trigger checks, retrieve results, and receive webhook notifications.
2. **Web SDK**: Embed ComplyCube's hosted verification flow in a browser with minimal code.
3. **Mobile SDKs**: iOS and Android SDKs for native in-app document capture and liveness checks.
4. **No-Code / Low-Code**: Pre-built embeddable forms and CRM integrations for teams without dedicated engineering resources.

The API follows REST principles with JSON responses. Core flow: create a client object, create a check (specifying which verification type), receive a hosted URL for the end user, collect results via webhook when complete.

## Pricing & Fees

ComplyCube's transparent pricing model is one of its key differentiators:

- Monthly subscription plans convert to usage credits, flexible across all check types.
- **Only billed for successful verifications** — failed attempts are not charged.
- **ID Document Verification**: $0.10–$1.50 per check depending on document type and region.
- **Biometric Liveness**: $0.25–$2.00 per session.
- **AML Screening**: $0.05–$0.80 per search.
- Annual billing available at reduced rates.
- Volume and committed-use discounts for higher verification volumes.

## Authentication

ComplyCube uses API key authentication. The API key is passed as a Bearer token in the `Authorization: Bearer your_api_key` header. Separate keys exist for sandbox and production environments.

## Rate Limits

Rate limits are not publicly documented and vary by plan tier. Contact ComplyCube for specific throughput limits.

## Compliance & Regulations

ComplyCube holds ISO 27001 certification and is built for GDPR compliance. The platform supports FATF KYC/AML recommendations, EU AMLD5/6, FCA guidance, and applicable AML/CFT regulations globally. For Nigerian deployments, ComplyCube's check capabilities align with CBN Customer Due Diligence regulations. AML coverage includes OFAC, EU, UN, UK Treasury, and global PEP databases.

## Challenges & Gotchas for Nigerian Developers

1. **Credit pool management**: Monthly subscription fees become a credit pool — unused credits expire at the end of the billing period. Plan verification volume carefully to avoid wastage.
2. **Per-check pricing range**: The $0.10–$1.50 document check range varies significantly by document type and region. Confirm Nigeria-specific document check pricing in your plan.
3. **No native BVN verification**: ComplyCube does not directly integrate with NIBSS BVN data. Supplement with a dedicated Nigerian BVN API if required.
4. **USD billing**: ComplyCube charges in USD. Nigerian developers need a USD-capable payment method.
5. **NDPR considerations**: Biometric and identity data processed by ComplyCube falls under NDPR as sensitive personal data. Review the data processing agreement for Nigerian user data handling.

## Company Background

ComplyCube is a UK-based company and ISO-certified compliance automation platform. It serves clients across banking, fintech, insurance, crypto, real estate, and gaming. The company is known for its developer-focused documentation, transparent pricing guides, and educational content around KYC API pricing best practices.

## Frequently Asked Questions

**Q: Am I charged for failed verifications?**
A: No. ComplyCube only charges credits for successfully completed verifications.

**Q: Does ComplyCube support Nigerian identity documents?**
A: Yes. Nigerian international passports, NIN slips, voter cards, and driver's licenses are covered within ComplyCube's 10,000+ document library across 220+ jurisdictions.

**Q: Can I test ComplyCube without paying?**
A: Yes. ComplyCube provides a sandbox environment accessible after account registration for integration testing.

**Q: Is there a no-code option for non-technical teams?**
A: Yes. ComplyCube offers embeddable forms and CRM integration options that do not require API programming knowledge.

Question 2

How much does ComplyCube cost?

Accepted Answer

ComplyCube is a paid API. Monthly subscription converts to usage credits. ID document check: $0.10–$1.50; Biometric liveness: $0.25–$2.00; AML screening: $0.05–$0.80. Only charged for successful verifications. Volume discounts available.

Question 3

How do I authenticate with the ComplyCube API?

Accepted Answer

API Key (Bearer Token)

Question 4

Is there a rate limit on ComplyCube?

Accepted Answer

Not publicly specified. Varies by plan.

Question 5

Does ComplyCube offer a sandbox or test mode?

Accepted Answer

Yes — ComplyCube provides a sandbox or test environment so you can integrate and test before going live.

Question 6

What is ComplyCube best suited for?

Accepted Answer

Nigerian fintechs, regulated platforms, and compliance teams that need transparent, credit-based KYC/AML pricing across 220+ jurisdictions with REST API, mobile SDKs, and CRM integration options.

Question 7

Is there anything else I should know before integrating ComplyCube?

Accepted Answer

ComplyCube only charges for successful verifications — failed or incomplete checks are not billed. Monthly subscription converts to a flexible credit pool usable across any check type. Supports 220+ jurisdictions and 10,000+ document types including Nigerian IDs.

Question 8

Where can I find ComplyCube's documentation?

Accepted Answer

The official API documentation is at https://docs.complycube.com. The provider's website is https://www.complycube.com.

Question 9

Does ComplyCube support Nigerian developers?

Accepted Answer

Yes — ComplyCube explicitly supports Nigerian developers/use cases.

ComplyCube

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