Raytio vs. SEPA Cyber Technologies KYC Comparison Chart

Sumsub is a full-cycle verification platform that secures every step of the user journey. With Sumsub’s customizable KYC, KYB, AML, Transaction Monitoring and Fraud Prevention solutions, you can orchestrate your verification process, welcome more customers worldwide, meet compliance requirements, reduce costs and protect your business. Sumsub achieves the highest conversion rates in the industry—91.64% in the US, 95.86% in the UK, and 97.89% in Hong Kong—while verifying users in less than 50 seconds on average. Sumsub’s methodology follows FATF recommendations, the international standard for AML/CTF rules and local regulatory requirements (FINMA, FCA, CySEC, MAS, BaFin). Sumsub has over 2,000 clients across the fintech, crypto, transportation, trading, e-commerce and gaming industries including Bitpanda, Wirex, Avis, Bybit, Huobi, Kaizen Gaming, and TransferGo.

Authologic is a global identity orchestration platform that connects all major verification methods through one API — enabling secure, compliant, and seamless digital onboarding worldwide. It combines government databases, e-IDs, digital wallets, bank IDs, document OCR & biometrics into a single flow — helping businesses onboard users faster, reduce fraud & meet KYC, KYB, and AML requirements. Authologic integrates over 50 methods in more than 200 countries, ensuring consistent & compliant identity verification globally. With automated routing, fallback & workflow optimization, it adapts easily to multiple markets without rebuilding onboarding processes. Built for compliance & scalability, Authologic is eIDAS 2.0-ready, PSD2 AISP-licensed, ISO 27001 / 9001 / 22301 certified, and backed by Y Combinator, operating from London, San Francisco & Warsaw.

Risk, procurement, and compliance teams across the globe are under pressure to deal with geopolitical and business risks. Third-party risk exposure is impacted by rapidly scaling complexity in domestic and cross-border businesses, along with complicated and diverse regulations. It is extremely important for companies to proactively manage their third-party relationships. An AI-powered solution to mitigate and monitor counterparty risks on a continuous basis, this cutting-edge platform is powered by D&B’s Data Cloud with 520M+ Global Business Records and 2B+ yearly updates for third-party risk insights. With high-risk procurement alerts and multibillion match points, D&B Risk Analytics leverages best-in-class risk data to help drive informed decisions. Perform quick and comprehensive screening, using intelligent workflows. Receive ongoing alerts of key business indicators and disruptions.

Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.

Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services.

WorkBright is the only compliance-first digital onboarding platform built to protect your business while accelerating hiring. We enable employers of all sizes to manage Form I-9, tax forms, and custom hiring documents with a focus on eliminating errors and reducing compliance risk. With automated form and policy updates, flexible integration options, and rapid implementation, WorkBright delivers the perfect balance of protection and efficiency that compliance-conscious organizations need in today's complex and fast-moving regulatory environment.

Jscrambler is the leader in Client-Side Protection and Compliance. We were the first to merge advanced polymorphic JavaScript obfuscation with fine-grained third-party tag protection in a unified Client-Side Protection and Compliance Platform. Our integrated solution provides a robust defense against client-side threats, web skimming attacks, data leaks, and IP theft, empowering software development and digital teams to innovate securely while meeting security and data privacy standards (GDPR, HIPAA, CCPA, among others). Jscrambler’s Code Integrity product safeguards first-party JavaScript through state-of-the-art obfuscation and exclusive runtime protection. Jscrambler’s Webpage Integrity product mitigates threats and risks posed by third-party tags, while ensuring compliance with PCI DSS v4 requirements 6.4.3 and 11.6.1. Jscrambler serves a range of customers, including top Fortune 500 companies, online retailers, airlines, media outlets, and financial services firms.

AgeChecker.Net provides an easy checkout experience while keeping your site up to date with the latest age regulations in your industry. More than 90% of customers are verified instantly with our extensive database of trusted records and intelligent matching technology. Keep up to date with the latest FDA age requirements, state laws, and merchant account policies. Our verification rules are customizable. Reduce cart abandonment and customer frustration over competing systems. Customers are verified directly on your website during checkout. We are a real age verification solution, not just a pop-up! We match customer information from your checkout form against our identity networks to verify that a customer meets your minimum age requirements. All major e-commerce platforms are supported. When a customer is ready to place their order, the AgeChecker.Net popup will appear and explain the verification process and why it is required.

Source Defense is a mission critical element of web security designed to protect data at the point of input. The Source Defense Platform provides a simple and effective solution for data security and data privacy compliance – addressing threats and risks originating from the increased use of JavaScript, third-party vendors, and open-source code in your web properties. The Platform provides options for securing your own code, as well as addressing a ubiquitous gap in the management of third-party digital supply chain risk – controlling the actions of the third-party, fourth and nth party JavaScript that powers your site experience. The Source Defense Platform protects against all forms of client-side security incidents – keylogging, formjacking, digital skimming, Magecart, etc. – by extending web security beyond the server to the client-side (the browser).

Founded in 2004, Axe Finance is a global market-leading software provider focused on credit risk automation for lenders looking to offer an efficient, competitive, and seamless omnichannel financing journey. Axe Finance developed Axe Credit Portal – ACP – a future-proof, AI-driven solution that automates the loan process from KYC to servicing, including scoring, automatic decisioning, limit management, and collateral management. ACP is a locally hosted or cloud-based solution designed to help lenders deliver an efficient, competitive, and seamless omnichannel financing experience across all client segments (Retail, Commercial, Corporate, Sovereign, FIs, microfinance, embedded financing, Islamic finance, green loans, etc.) Axe Finance is the trusted partner of leading global banking institutions such as Société Générale, OTP Bank, APS Bank, Arab National Bank, Al Rajhi Bank, QNB, ADCB, FAB, BBK, Bangkok Bank, Vietcombank, VIB, Fidelity Bank, Polaris Bank, among many others.