KYC & Card Payment Authentication
Onboarding, identity verification and card-payment auth modules wired to leading PG and compliance partners.
Overview
Virtual Vision's KYC & Card Payment Authentication platform delivers end-to-end identity verification and transaction security for financial institutions navigating today's complex compliance landscape. By combining AI-driven document verification, biometric liveness detection, and real-time card authentication, we enable frictionless onboarding while eliminating fraud at every payment touchpoint. Our solution is built to meet global AML/KYC regulatory standards, helping fintechs and banks accelerate customer acquisition without compromising risk controls.
What's included
- KYC / identity onboarding
- Document & biometric verification
- Card payment authentication (3-D Secure)
- PG & partner integrations
- AML screening hooks
- Audit & compliance trail
- 99.7%
- Document verification accuracy across 195+ countries
- <1.8s
- Average end-to-end KYC decision latency
- 60%
- Reduction in card fraud chargebacks post-deployment
Built with the features that matter
AI-Powered Document Verification
Automatically extract and validate data from government-issued IDs, passports, and driving licences across 195+ countries using machine learning models trained on millions of documents. Detect forgeries, tampering, and expired credentials in under two seconds.
Biometric Liveness & Face Match
Confirm that the person presenting a document is genuinely present with passive and active liveness checks that defeat spoofing attacks including deepfakes and printed masks. Face-match scores are returned in real time to feed directly into your onboarding decision engine.
Real-Time Card Authentication
Authenticate card-not-present transactions with adaptive 3-D Secure 2.x flows that risk-score each transaction and challenge only the sessions that warrant it, reducing false declines while maintaining PCI DSS and EMVCo compliance.
AML Screening & Sanctions Watchlist
Screen customers and beneficial owners against global sanctions lists, PEP databases, and adverse media sources at onboarding and on an ongoing basis. Configurable risk thresholds and automated case management reduce analyst workload by surfacing only high-priority alerts.
Orchestration & Case Management
Route verification journeys through a no-code workflow builder that blends automated checks with human review queues, escalation rules, and audit trails — all accessible from a single compliance dashboard. Integrate via REST API or pre-built SDKs in days.
Regulatory Reporting & Audit Trails
Generate immutable, timestamped audit logs for every KYC event and card authentication decision to satisfy regulators including the FCA, EBA, FinCEN, and MAS. Exportable reports and a compliance calendar keep your team ahead of periodic review deadlines.
Common questions
How does your KYC solution handle compliance across multiple jurisdictions?
Our platform is pre-mapped to regulatory requirements in over 50 jurisdictions, including GDPR, 6AMLD, BSA/AML, and MAS Notice 626, so your compliance team does not need to rebuild rules from scratch for each market. Jurisdiction-specific checks, data residency controls, and localised ID document libraries are activated through a single configuration toggle. Our dedicated regulatory team monitors legislative changes and pushes rule updates automatically, keeping your programme current without engineering overhead.
What is the typical onboarding conversion impact of adding biometric verification?
Clients typically see a 15–25% lift in completed onboarding rates after switching to our passive liveness flow, because users are no longer asked to perform complex gestures or navigate multi-step challenges. Our adaptive risk engine reserves active checks for sessions that exhibit anomalous signals, so the vast majority of legitimate customers complete verification in under 90 seconds. We provide A/B testing tooling so you can measure conversion impact against your existing baseline before a full rollout.
How does the card authentication integration work with our existing payment stack?
Our 3-D Secure 2.x module integrates via a lightweight JavaScript SDK on your checkout page and a server-side REST API that sits between your payment gateway and card schemes, requiring no changes to your core processing infrastructure. We support all major card networks and work alongside leading gateways including Stripe, Adyen, Worldpay, and Braintree. Implementation teams typically complete end-to-end integration and testing within two to four weeks.
How is customer data protected and where is it stored?
All biometric and document data is encrypted at rest with AES-256 and in transit with TLS 1.3, and is stored only in the region you designate to satisfy local data residency requirements. Sensitive identity assets such as facial biometrics are hashed and never retained beyond the verification session unless your compliance policy explicitly requires archival, in which case role-based access controls and a full access audit log apply. We hold ISO 27001 and SOC 2 Type II certifications, and our infrastructure undergoes annual third-party penetration testing.
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