Under vs Sumsub
Choose Under if you need merchant applications, verification and underwriting in one workflow; choose Sumsub if your priority is identity and business verification, with options for ongoing compliance monitoring. Both publish KYC and KYB capabilities, but Under centers the merchant-approval process, while Sumsub centers verification and risk checks.
Last updated October 27, 2026.
At a glance
| Dimension | Under | Sumsub |
|---|---|---|
| Primary focus | Merchant onboarding and underwriting | Identity, business and transaction verification |
| Application workflow | Digital applications, documents and eSignatures | Configurable verification flows and questionnaires |
| Underwriting and review | Rules, decisioning and case management | Risk scoring, workflow rules and case management |
| Business verification | KYB and ownership information | Registry, ownership and UBO checks |
| Identity verification | KYC and identity checks | ID, liveness and non-document checks |
| Ongoing monitoring | Not published | Ongoing AML and transaction monitoring |
| Platforms | Web application and digital workflows | WebSDK and mobile SDKs |
| Integrations | APIs and integrations; Plaid on published pricing page | APIs, SDKs and ready-made connectors |
| Published pricing | Free Starter; Professional from $149 yearly or $199 monthly; Enterprise custom | User verification from $1.35/check with $149 monthly minimum; business verification custom |
| Trial or free access | Free Starter plan with one user | 14-day trial with 50 free checks |
| Published plan limits | Starter: one user and 1 GB of document storage | Basic: $149 minimum monthly commitment |
| Support | Dedicated support manager on Enterprise | Customer support for plan changes |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Under if
- Payment teams collecting merchant applications and signatures
- Underwriters who need rules, case management and human review
- ISOs managing agent and partner onboarding workflows
Choose Sumsub if
- Teams embedding identity checks in web and mobile apps
- Businesses verifying companies and beneficial owners
- Compliance teams seeking AML and transaction-monitoring options
The verdict
The deciding factor is what happens around the check. Pick Under when your team must collect merchant information and signatures, apply underwriting rules and review applications. Pick Sumsub when you need configurable verification across web or mobile apps, particularly if AML screening or transaction monitoring is part of the requirement. Compare quotes for the specific checks you need: Sumsub’s published per-verification prices are for user verification, not its custom-priced business-verification offering.
Under vs Sumsub: common questions
- Are Under and Sumsub direct alternatives?
- They overlap on KYC and KYB, but serve different primary workflows. Under connects merchant applications, verification and underwriting; Sumsub focuses on identity and business verification, with monitoring and fraud-prevention products.
- Which should a merchant underwriter choose?
- Under is the closer fit for a team that needs digital merchant applications, signatures, underwriting rules and manual case review in one workflow.
- Which is better suited to embedding verification in an app?
- Sumsub publishes WebSDK and mobile SDK integrations for verification flows. Under publishes APIs and integrations for its onboarding workflows; confirm the required implementation with each vendor.
- Do both products support KYB?
- Yes. Under publishes KYB within its merchant-onboarding workflow. Sumsub publishes business registry, ownership and beneficial-owner checks as part of its business-verification offering.
- Do both offer transaction monitoring?
- Sumsub publishes a transaction-monitoring product. Under describes merchant verification and underwriting but does not publish a comparable ongoing transaction-monitoring product on its current technology pages.
- How does pricing compare?
- Under’s published pricing page lists a free Starter plan, Professional starting at $149 per month with yearly pricing or $199 per month with monthly pricing, and custom Enterprise pricing. Sumsub lists user verification from $1.35 per verification with a $149 monthly minimum; its business-verification offering is on a custom plan. These prices cover different scopes.
- Can I try either product before buying?
- Under publishes a free Starter plan with one user. Sumsub publishes a 14-day trial with 50 free checks.
- Does Sumsub replace Under’s merchant application workflow?
- Sumsub offers configurable verification flows and business questionnaires, while Under publishes digital merchant applications, document collection, eSignatures and underwriting workflows. A buyer needing processor-ready merchant applications should verify that Sumsub covers those specific steps before treating it as a replacement.