Frequently asked questions

Visa, Mastercard and American Express; Apple Pay and Google Pay via certified gateways; APAC local methods including GCash, Touch'n Go, Boost, ShopeePay, Rabbit LINE Pay, TrueMoney, DANA, and QRIS; SEPA Direct Debit in Europe; and US processing via Fiserv. Additional methods such as 9Pay and Kakao Pay are coming soon.

Our ML-based routing selects the optimal acquirer and payment rail per transaction. The AI risk engine evaluates each attempt, and failed authorisations are intelligently retried on alternate paths with 3DS dual-mode where appropriate.

Settlement tiers include real-time, T+0, T+1, and T+N depending on payment method, region, currency, and merchant agreement. USDC and USDT settlement can achieve minute-level timing on supported networks.

Yes. We operate under an Australian AFSL, AUSTRAC DCE registration (DCE100891282-001), Canadian FINTRAC MSB registration, and comply with AML/CTF requirements including a dedicated AML compliance officer. Hong Kong operations follow local AML regulations under AMLO.

Sumsub handles upstream KYC and KYB at onboarding, plus transaction KYT across the payment lifecycle. Customers are risk-tiered for graduated due diligence, client funds are segregated with licensed banks, and AML applies to payers and payees at every stage.

Client funds are held with licensed commercial banking partners and segregated according to applicable regulatory requirements in each jurisdiction. Our proprietary monitoring system supports continuous transaction screening.

Direct API, hosted checkout, embedded components, payment links, and webhooks. A full sandbox environment with test cases is available for development and pre-production validation.

Yes. Webhook events cover the payment lifecycle, payouts, account updates, and subscription events with automatic retry and failure notification.

Full API reference and integration guides are available in our developer documentation portal.