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, and more.

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 photos of the bank card to confirm the applicant’s name and card number. Sumsub supports all major international payment systems, including Mastercard, Visa, JCB, Humo, Uzcard, American Express, and others.
Bank account. 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, and so on. 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, 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.
Switch on the toggle next to the Bank cards payment method to enable it for verification.
Enable Risk check to identify the risk level of the payment method.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, and so on.
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 the 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 accounts

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.
Switch on the toggle next to the Bank accounts payment method to enable it for verification.
Select verification options that will be available for your applicants for the bank account ownership confirmation:
1. Bank statement upload. Applicants should upload a bank statement for verification.
2. Online banking. Applicants confirm their bank account ownership via a real-time API connection with financial institutions. If you select this option, identify the countries for which it will be enabled.
Enable Risk check to identify the risk level of the payment method.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

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

Step 3: Get verification results

Review the 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-wallet 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.
Switch on the toggle next to the E-wallets payment method to enable it for verification.
Enable Risk check to identify the risk level of the payment method.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

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

Step 3: Get verification results

Review the 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.
Switch on the toggle next to the Crypto-wallets payment method to enable it for verification.
Select the required declaration form for the unhosted wallet ownership check from the list:
1. Kazakhstan
2. Turkey
3. Singapore
4. Poland
5. Italy
6. All other jurisdictions
Set up global checks:
1. Enable Risk check to identify the risk level of the payment method.
2. Check the Ownership check box to confirm the ownership of crypto wallets.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, and so on.
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 the 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.
Enable the toggles for all payment method types to allow applicants to select the payment option most convenient for them.
Adjust the requirements for each selected payment method:
1. For bank cards, specify which sides of the bank card must be uploaded.
2. To set up bank account verification, select the available confirmation methods—Bank statement upload and/or Online banking.
3. For crypto-wallets, select the required declaration form for the unhosted wallet ownership check from the list.
Set up global checks:
1. Enable Risk check to identify the risk level of the payment methods.
2. Check the Ownership check box to confirm the ownership of the payment methods.

Step 2: Submit applicant data

Submit applicant data using the Create applicant action method:

Identify the required parameters, such as applicantId, levelname, and so on.
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 the 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.