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📄 Guide

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Core rules

  • Whitelisted identity documents: the user submits a single document, completes face verification and fills in the required background information — that is the whole verification.
  • Non-whitelisted identity documents: the user must submit a passport (proof of identity) plus one proof-of-address document, and complete face verification and background information.
  • Cardholder age: between 18 and 70.
  • Document validity: an identity document must have at least 6 months of validity remaining; a proof of address must have been issued within the last 3 months.
  • No screenshots: every document must be a photo or scan of the original — screenshots are not accepted.

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Proof of identity (POI)

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POI basic requirements

  • Age: the cardholder must be between 18 and 70.
  • Validity: the identity document must have at least 6 months of validity remaining.
The document must carry all of the following, legibly:
  • Full name
  • Date of birth
  • Photo
  • Document number
  • Issue / expiration date
  • A legible MRZ (machine-readable zone)

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Upload requirements

Uploaded files must satisfy all of the following:
  • An original photo — screenshots are not accepted
  • Accepted formats: JPG, JPEG, PNG, PDF
  • At least 100 KB, or a resolution of 300 DPI
  • No larger than 20 MB
  • Must be in colour
  • Sharp, good quality and legible
  • All four corners must be visible
  • One or both sides of the document
  • Do not upload anything retouched or altered in image-editing software

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Accepted documents by country / region

The table below lists the identity documents accepted in each country or region, and whether that document still requires a separate proof of address (POA). ¹ Japan-specific requirement: when using a My Number Card or a driving license, the user’s IP address must be inside Japan; otherwise the user must also submit a passport for verification.

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Proof of address (POA)

When the user presents a passport, a separate proof of address is required. Accepted documents include bank statements, utility bills and official government documents. A proof of address must also be an original — screenshots are not accepted.
  • Purpose: a POA verifies the user’s residential address.
  • Validity: the document must have been issued within the last 3 months.
  • Content: it must show the full name and the address, and the name must match the identity document.
  • Upload limits: JPG, JPEG, PNG or PDF only; each file no larger than 10 MB; up to 3 files.

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Validity rules at a glance

Deciding whether a POA is requiredDeciding whether a POA is required
Documents accompany the card application: with Sumsub the user’s documents are collected in Sumsub and you share them with DCS through kycInfo.sumsubShareToken — for how the sharing partner is configured, see Sumsub KYC data sharing. The POA fields (poaDocType / poaDocUrlList[] / poaDocDate / addressLine1 / addressLine2 / state / city / postalCode / country) are submitted with the virtual card endpoint POST /card/v1/virtual-card/apply; for the field specs see the card application parameter dictionary. For the material KYC needs, the markets cards can be issued in and the per-region document requirements, see Compliance and the KYC flow.

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Next steps