Sumsub API
Identity & KYC · Data Validation
Sumsub (Summary Verification) is a comprehensive identity verification and compliance platform used by over 2,000 businesses globally to verify users, screen for AML risks, monitor transactions, and onboard corporate entities. Headquartered in London with offices across Europe and the Americas, Sumsub powers KYC (Know Your Customer), KYB (Know Your Business), AML screening, and fraud prevention through a single API and no-code workflow builder.
Sumsub API Highlights
Sumsub API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
App Token + Secret Key (HMAC SHA-256 signed requests via X-App-Token and X-App-Access-Sig headers)
Varies by plan; enterprise plans support high-volume throughput. Contact Sumsub for specifics.
Nigeria
Ghana
Kenya
AWSSumsub API is best for:
Nigerian fintech startups, neobanks, crypto exchanges, and lending platforms that need enterprise-grade KYC, KYB, and AML screening with global document coverage including Nigerian NIN, BVN, and CAC verification.
- Starts at $149/month (non-regulated) or $299/month (regulated)
- Per-verification:$1.35 (non-regulated) or $1.85 (regulated)
- Custom enterprise pricing available for high volume
Sumsub API Core Features & Capabilities
Features Included
Not Supported
Sumsub API Supported Webhook Events
Notifies your backend on applicant verification changes, fraud signals, and risk level updates with HMAC verification.
| Event Name | Trigger & Description |
|---|---|
applicantReviewed | KYC verification review concluded. |
applicantPending | Applicant documents under compliance review. |
applicantCreated | New applicant profile registered for verification. |
applicantPersonalInfoChanged | Applicant personal information was updated. |
Required Access Documents for Sumsub API
- Business Registration DocumentsRequiredCAC Certificate of Incorporation or equivalent to activate a business account with Sumsub.
- Valid Government-Issued ID (Director)RequiredInternational passport, NIN slip, or driver license of the account owner or compliance officer.
- Proof of Business AddressRequiredUtility bill or bank statement not older than 3 months confirming the company address.
- Compliance Use Case DescriptionRequiredSumsub requires you to describe your compliance use case (e.g., fintech KYC, crypto exchange onboarding) during signup to configure the correct verification flows.
- AML/CFT Policy DocumentOptionalFor regulated entities, submitting your internal AML/CFT policy speeds up enterprise onboarding and unlocks regulated-tier pricing.
Different Sumsub API use cases
- Nigerian Fintech KYC Onboarding:Use Sumsub to verify Nigerian users during account opening by checking NIN slips, voter cards, and international passports with biometric face match reducing fraud and meeting CBN KYC requirements.
- Crypto Exchange Compliance:Power AML screening and ongoing transaction monitoring for Nigerian crypto exchanges, automatically flagging sanctioned wallets and PEP-linked users in real time using Sumsub's risk engine.
- Digital Lending Identity Check:Integrate Sumsub's KYC API into your Nigerian lending app to verify borrower identity before loan disbursement, with liveness detection preventing selfie spoofing and synthetic identity fraud.
- Corporate KYB for B2B Platforms:Verify Nigerian businesses onboarding to your B2B marketplace by checking CAC registration, director identity, and UBO (Ultimate Beneficial Owner) structure using Sumsub's KYB module.
- Travel Rule Compliance for VASPs:Virtual asset service providers in Nigeria can use Sumsub's Travel Rule module to collect, transmit, and receive required originator and beneficiary information for crypto transfers above regulatory thresholds.