“- Integrated KYC/KYB for connected accounts.”
“- Identity verification, including additional selfie verification through Stripe Identity when required.”
“- Verification of company representatives, directors and UBOs.”
“- Hosted and embedded onboarding options.”
“- API-driven account requirements and verification statuses.”
“- Stripe: Best starting point if you want a developer-friendly, relatively straightforward onboarding experience.”
“Watch out: Custom Connect integrations have onboarding and verification requirements to maintain. European requirements were updated in 2026, including UBO and director verification.”
“2. Adyen for Platforms”
“- Automated identity and company verification.”
“- Additional document requests when automated checks fail.”
“- Verification before users can receive payouts.”
“- Platform-level onboarding and verification APIs.”
“- Suitable for more complex enterprise payment operations.”
“- Adyen: Best candidate if you have enterprise requirements and want sophisticated payment infrastructure.”
“Watch out: Adyen explicitly states that the platform is responsible for collecting KYC information, managing failed verification cases and communicating with its users.”
“- KYC for individuals and KYB for legal entities.”
“- Identity-document and selfie-based verification.”
“- Business documentation and beneficial-owner checks.”
“- Verification requirements based on user type.”
“- Compliance-related restrictions and verification thresholds.”
“- Mangopay: Particularly interesting if your business is fundamentally a marketplace.”
“Watch out: Understand the verification thresholds and what happens when merchants reach them. Ask for details on ongoing screening and periodic reviews rather than assuming these are fully automated.”
“- Dedicated KYC/KYB onboarding.”
“- Verification of individuals and legal entities.”
“- Checks involving company representatives and UBOs.”
“- Identity verification using document checks and additional verification measures.”
“- Periodic KYC update processes introduced in 2026.”
“- Lemonway: Worth serious consideration if you want a European specialist with a regulated marketplace payment model.”
“Watch out: Lemonway's onboarding can involve document-heavy processes and manual analyst reviews. Its documentation indicates that legal-entity verification can take up to 48 hours.”
“- Entrust (formerly Onfido): document and biometric identity verification.”
“- Entrust (formerly Onfido): document and biometric identity verification.”
“- Veriff: automated identity document and liveness checks.”
“- Veriff: automated identity document and liveness checks.”
“- Persona: configurable identity verification and compliance workflows.”
“- Persona: configurable identity verification and compliance workflows.”