Payment Method Check Advanced is a verification solution for confirming ownership of a particular payment method and ensuring fraud prevention, such as sending funds to third parties, performing unauthorized transactions, etc.

With Sumsub, you can verify multiple payment method types and create suitable flows for a variety of business cases and scenarios.

How we check payment methods

Payment Method Check Advanced is based on an applicant action and generally includes the following steps:

Creating a verification level.
Providing details related to a specific payment source.
Uploading a payment method.
Comparing fields for confirmation and displaying results.

Available payment method types

You can identify payment method types that your applicants will be able to provide while passing verification. The following options are available in the settings:

Bank card. Verification of bank cards requires uploading bank card photos to confirm the applicant’s name and bank card number. Sumsub supports all international payment systems, such as Mastercard, Visa, JCB, Humo, Uzcard, American Express, and others.
Bank statement. Payment method type for verifying bank accounts. Applicants should provide an image of a bank statement that includes their full name and account identification number (IBAN or other applicable account identifiers).
Crypto wallet. This payment method type is used to verify cryptocurrency wallets. The process involves providing the crypto wallet’s address (required) and currency and chain details. Supported chains include Bitcoin, Ethereum, Solana, etc. Find more supported chains here.
E-wallet. Verification of digital wallets. To verify e-wallets, applicants upload screenshots and statements that include the wallet’s identification number and other personal information about the applicant such as their full name.

Create verification flow for bank cards

To create a verification flow for bank cards, following the steps below.

Step 1: Create verification level

Create a verification level and adjust its settings:

Go to Applicant levels → Individuals and create a new level.
Delete verification steps included by default as they might not be compatible with the required level settings.
From the Type drop-down list, select Applicant actions.
Scroll down to the Verification steps section and add the Payment method step.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, etc.
Use the fixedInfo object to provide the payment method type — bankCard. Include additional fields to verify, if applicable. For example, to confirm ownership of the specific card, you can submit the BIN number via the accountIdentifier field in the following format: 123456*1234 (it is necessary to hide sensitive information). If you do not have these details, you can submit only the last four digits of the card number.

Step 3: Get verification results

Review results of your payment method check:

See results via the Get action information method.
Go to the applicant profile in the Dashboard and scroll down to the Payment source check section.

Adjust verification flow to verify bank statements

To perform verification of bank accounts, follow the steps below.

Step 1: Create verification level

Create a verification level and adjust its settings:

Go to Applicant levels → Individuals and create a new level.
Delete verification steps included by default as they might not be compatible with the required level settings.
From the Type drop-down list, select Applicant actions.
Scroll down to the Verification steps section and add the Payment method step.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, etc.
Use the fixedInfo object to provide the payment method type — bankStatement. Include additional fields to verify, if applicable.

Step 3: Get verification results

Review results of your payment method check:

See results via the Get action information method.
Go to the applicant profile in the Dashboard and scroll down to the Payment source check section.

Configure verification logic for e-wallets

To conduct e-wallets verification, follow the steps below.

Step 1: Create verification level

Create a verification level and adjust its settings:

Go to Applicant levels → Individuals and create a new level.
Delete verification steps included by default as they might not be compatible with the required level settings.
From the Type drop-down list, select Applicant actions.
Scroll down to the Verification steps section and add the Payment method step.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, etc.
Use the fixedInfo object to provide the payment method type — eWallet. Include additional fields to verify, if applicable.

Step 3: Get verification results

Review results of your payment method check:

See results via the Get action information method.
Go to the applicant profile in the Dashboard and scroll down to the Payment source check section.

Add verification flow for crypto wallets

Follow the steps outlined to verify crypto wallets.

Step 1: Create verification level

Create a verification level and adjust its settings:

Go to Applicant levels → Individuals and create a new level.
Delete verification steps included by default as they might not be compatible with the required level settings.
From the Type drop-down list, select Applicant actions.
Scroll down to the Verification steps section and add the Payment method step.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, etc.
Use the fixedInfo object to provide the payment method type—cryptoWallet. Include additional fields to verify:
- accountIdentifier (required) — the wallet’s address.
- memo — messages and metadata.
- currencyCode — the code of the currency the crypto wallet holds.
- cryptoChain — the crypto chain name.

Step 3: Get verification results

Review results of your payment method check:

See results via the Get action information method.
Go to the applicant profile in the Dashboard and scroll down to the Payment source check section.

Build verification flow for all payment methods

Configure the verification flow for all payment method types, allowing applicants to upload any supported payment method.

Step 1: Create verification level

Create a verification level and adjust its settings:

Go to Applicant levels → Individuals and create a new level.
Delete verification steps included by default as they might not be compatible with the required level settings.
From the Type drop-down list, select Applicant actions.
Scroll down to the Verification steps section and add the Payment method step.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, etc.
Submit any required fields via the fixedInfo object except type. This allows your applicants to upload any payment method.

Step 3: Get verification results

Review results of your payment method check:

See results via the Get action information method.
Go to the applicant profile in the Dashboard and scroll down to the Payment source check section.