The Penny Drop Verification solution is currently supported via the following Sumsub frameworks:

• WebSDK
• MobileSDK

You are not required to perform any technical steps to enable the Penny Drop Verification feature, but you need to contact your Customer Success Manager to turn it on after you create your first verification level with this feature.

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Note

If you would like to set up and use your own virtual account with Volt, inform your Customer Success Manager about it, as this would require passing an additional due diligence process and executing a supplementary Service Agreement with Volt.

Set up Penny Drop Verification level

To use Penny Drop Verification:

1. Set up the WebSDK or MobileSDK integration.
2. Contact your CSM to turn Penny Drop Verification on.
3. Set up a verification level to be used for Penny Drop Verification:
   1. On the Verification Steps tab, add an Identity document step and select any documents to be used as a verification basis.
   2. Add other steps you normally use to verify the identity of your customers, such as selfies, AML screening, and so on.
   3. Add the Non-Doc Verification step.
4. Test your configuration in Sandbox mode:
   1. At the Non-Doc step, select the Penny Drop verification type. You will be redirected to the Volt Sandbox page.
   2. In the Banks section, select Volt Mock Bank.
   3. Click Continue on Desktop to confirm the test payment transaction.
5. Switch to Production mode to make your verification level live.
6. Review verification results.

Review verification results

You can get Penny Drop Verification results in either of the following ways:

• Using the Sumsub Dashboard
• Using the Sumsub API

View verification results in the Dashboard

To view the results of Penny Drop Verification in the Dashboard:

1. Navigate to the Applicants page and open the target applicant profile.
2. Scroll down to the Penny Drop Verification section and review the results.

Available verification statuses are:

• Green — user verification is successfully completed.
• Yellow — user verification is currently in progress.
• Error — user verification was not completed because the service is currently unavailable.

Get verification results via API

To get the results of Penny Drop Verification via the API, send a GET request, as shown below.

Request

curl -X GET \
  'https://api.sumsub.com/resources/checks/latest?type=BANK_DETAILS_CHECK&applicantId={applicantId}'// Applicant ID

Response

The response will include the transfer details, sender and beneficiary bank information, and refund details if the Penny Drop Refund feature is enabled:

{
    "answer": "GREEN", // Verification result
    "checkType": "BANK_DETAILS_CHECK", // Check type
    "createdAt": "2025-02-05 14:24:56", // Verification date
    "id": "7d610b85-087a-4a32-b1d1-9a310b242ac7", // User ID
    "attemptId": "uycEz", // Verification attempt ID
    "inputDoc": {
        "idDocType": "PROOF_OF_PAYMENT", // The document used for IDV
        "country": "DEU" // The ID doc issuing country
    },
    "extractedDoc": { // The information extracted from the doc
        "firstName": "Erika Mustermann", // Applicant name
        "additionalFields": [ // Additional information extracted from the doc
            {
                "name": "bank",// Applicant payment institution type
                "value": "Volt Mock Bank" // Applicant payment institution name
            }
        ]
    },
    "bankDetailsCheckInfo": { 
        "transferDetails": { // Transfer details
            "paymentId": "6a039c98-0714-4bc1-a44f-53d1b6cbf58d", // Payment ID
            "reference": "BGgayThScg", // Unique payment reference from the merchant
            "createdAt": "2025-02-05 14:24:38", // Payment date
            "amount": 1, // Payment amount
            "currency": "EUR", // Payment currency
            "status": "COMPLETED", // Payment status
            "type": "OTHER", // Transaction type
            "refundStatus": "COMPLETED", // Refund status
            "refundReference": "AJKBYctgBk" // Unique payment reference from the merchant
        },
        "senderDetails": { // Information about the payment sender
            "personFullName": "Jane Doe", // Full Name
            "iban": "BE97173134441649", // Sender bank IBAN
            "bankName": "Volt Mock Bank", // Sender bank name
            "bankBranchName": "Volt Mock Bank",// Sender bank branch name
            "bic": "COBADEFF" ,// Sender bank BIC
            "country": "GBR" // Sender bank country
        },
        "beneficiaryDetails": { // Beneficiary information
            "iban": "DE89370400440532013000", // Beneficiary bank IBAN
            "bic": "COBADEFF", // Beneficiary bank BIC
            "country": "DEU" // Beneficiary bank country
        }
    },
    "ekycCheckInfo": { // Information about the performed KYC checks 
        "confirmationId": "XAwtDAY9go2ynzezkIoZZBgr", // Check confirmation ID
        "confirmationType": "oAuth" // Check confirmation type

    }
}

Available verification statuses are:

• Green — user verification is successfully completed.
• Yellow — user verification is currently in progress.
• Error — user verification was not completed because the service is currently unavailable.

The complete scope of possible applicant output data as a result of successful verification includes: