User flow description

Build the perfect flow to speed up verification and stay compliant.

Below you will find step-by-step examples illustrating how non-document verification works for specific countries.


Argentina

The non-doc verification process in Argentina consists of the following steps:

  1. Applicant provides their DNI number and specifies gender.
  2. Sumsub validates the provided data through the government database.
  3. Applicant is offered to pass Liveness if the data is valid.
  4. Applicant passes Liveness.
  5. The government database compares the Liveness results with the applicant’s photos from the corresponding database.
  6. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.


Bangladesh

The non-doc verification process in Bangladesh consists of the following steps:

  1. Applicant provides their NID number and date of birth.
  2. Sumsub validates the provided data through the government database.
  3. Applicant is offered to pass Liveness if the data is valid.
  4. Applicant passes Liveness.
  5. Sumsub compares the Liveness results with the applicant’s photos from the corresponding database.
  6. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.


Brazil

The non-doc verification process in Brazil consists of the following steps:

  1. Applicant provides their CPF number.
  2. Sumsub validates the provided number through the government database.
  3. Applicant is offered to pass Liveness if the CPF number is valid.
  4. Applicant passes Liveness.
  5. The government database compares the Liveness results with the applicant’s photos from the corresponding database.
  6. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.


India

Aadhaar-based Flow

The Aadhaar-based verification process consists of the following steps:

  1. Applicant provides their Aadhaar number.
  2. Sumsub validates the provided number and looks for the attached phone number through the government database.
  3. If the Aadhaar number is valid and the phone number is attached, the government database sends the code to the applicant.
  4. Applicant provides the code and Sumsub sends it to the government database for verification.
  5. Applicant sees the results on the screen and is offered to pass Liveness if the OTP code is correct.
  6. Applicant passes Liveness.
  7. Sumsub compares the Liveness results with the applicant’s photos from the government database.
  8. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.

Digilocker Flow

Digilocker verification consists of the following steps:

  1. Applicant provides their Aadhaar number on the Digilocker screen.
  2. If the Aadhaar number is valid and the phone number is associated, the government database sends the code to the applicant.
  3. Applicant provides the code and Sumsub sends it to the government database for verification.
  4. Applicant is suggested to input and validate the 6-digit Digilocker PIN associated with their Digilocker account. If the applicant does not have a Digilocker account yet, they can register and create a fresh 6 -digit PIN on the same screen.
  5. Digilocker asks the applicant to give consent to use their 'Aadhaar' specific data for a certain period of time.
  6. Once the applicant consents, their Aadhaar details is finally verified and data is retrieved successfully.


Indonesia

The non-doc verification process in Indonesia consists of the following steps:

  1. Applicant provides their KPT number and name.
  2. Sumsub validates the provided data through the government database.
  3. Applicant is offered to pass Liveness if the data is valid.
  4. Applicant passes Liveness.
  5. The government database compares the Liveness results with the applicant’s photos from the corresponding database.
  6. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.


Kenya

The non-doc verification process in Kenya consists of the following steps:

  1. Applicant initiates the verification session via Sumsub.
  2. Applicant selects Kenya as their country of onboarding.
  3. Applicant provides their Passport or National ID number.
  4. Applicant passess Liveness.
  5. Sumsub extracts all personal data from the government database under the provided document number.
  6. Sumsub cross-matches the applicant selfie image with the photo image in the government database.
  7. Applicant is redirected back to the merchant website; onboarding is complete.


Netherlands

The non-doc verification process in Netherlands consists of the following steps:

  1. Applicant chooses their bank from the drop-down list.
  2. Applicant logs into their bank account and agrees to share their data.
  3. Sumsub gets a confirmation of a successful authentication and returns the attributes to the merchant.


Nigeria

BVN-based Flow

The BVN-based verification process consists of the following steps:

  1. Applicant provides their BVN number.
  2. Sumsub validates the provided number through a government database.
  3. Applicant is offered to pass Liveness if the data is valid.
  4. Applicant passes Liveness.
  5. Sumsub compares the Liveness results with the applicant’s photos from the corresponding database.
  6. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.

NIN-based Flow

The NIN-based verification process consists of the following steps:

  1. Applicant provides their NIN number.
  2. Sumsub validates the provided number through a government database.
  3. Applicant is offered to pass Liveness if the data is valid.
  4. Applicant passes Liveness.
  5. Sumsub compares the Liveness results with the applicant’s photos from the corresponding database.
  6. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.

Driver's license Flow

Non-doc verification of the driver's license consists of the following steps:

  1. Applicant provides their Driver's license number.
  2. Sumsub validates the provided number through a government database.
  3. Applicant is offered to pass Liveness if the data is valid.
  4. Applicant passes Liveness.
  5. Sumsub compares the Liveness results with the applicant’s photos from the corresponding database.
  6. Applicant is approved if there is the same person on both Liveness and the photo from the database, and rejected if not.

South Africa

The non-doc verification process in South Africa consists of the following steps:

  1. Applicant initiates the verification session via Sumsub.
  2. Applicant selects South Africa as their country of onboarding.
  3. Applicant inputs their National ID number.
  4. Applicant passess Liveness.
  5. Sumsub extracts all personal data from the government database under the provided document number.
  6. Sumsub cross-matches the applicant selfie image with the photo image in the government database.
  7. Applicant is redirected back to the merchant website; onboarding is complete.


United Kingdom

The non-doc verification process in the United Kingdom consists of the following steps:

  1. Applicant chooses their bank from the drop-down list.
  2. Applicant logs into their bank account and agrees to share their data.
  3. Sumsub transfers the data attributes to the merchant and confirms successful verification.
  4. Applicant is redirected back to the merchant website; onboarding is complete.