Payments Provider in South Africa
A leading payments provider in South Africa required a merchant onboarding solution capable of supporting sole proprietors and businesses across multiple acquiring channels while maintaining rigorous know your client (KYC), know your business (KYB), and anti-money laundering (AML) compliance.
Sybrin implemented a cloud-based onboarding platform that combined identity verification, business verification, AI-powered fraud detection, and automated decisioning, enabling faster merchant activation with consistent risk management.
Key Outcomes
- Accelerated Merchant Onboarding through automated verification and compliance workflows.
- Reduced manual effort by enabling straight-through processing for low-risk applications.
- Improved operational efficiency by allowing review teams to focus on higher-risk exceptions.
- Applied consistent KYC, KYB, and AML controls across all onboarding channels.
- Delivered a centralised view of application status, verification results, screening outcomes, and audit history.
The Challenge
The customer needed a scalable onboarding solution capable of verifying both individuals and businesses while applying consistent compliance controls across multiple acquisition channels.
The solution needed to automate identity and business verification, sanctions, politically exposed persons (PEP), and adverse media screening, while supporting AI-powered biometric verification and document fraud detection. Low-risk applications needed to be approved automatically, with exceptions routed for manual review.
The Solution
Sybrin deployed a dedicated tenant on its global SaaS Fraud Risk Management platform with configurable KYC and KYB workflows, automated risk scoring, and business rules.
The solution integrated liveness detection, facial biometrics, identity document capture, fraud detection, and API-led integrations into existing onboarding channels. An integrated case management workspace enabled reviewers to manage exceptions using the four-eyes principle and a complete audit trail.
The Impact
The solution significantly reduced onboarding times while improving compliance and operational efficiency. Automated decisioning allowed low-risk merchants to be onboarded faster, while compliance teams focused on higher-risk applications requiring investigation.
The centralised platform delivered greater visibility across the onboarding process and established a scalable foundation for future merchant growth.
Why Sybrin
The customer selected Sybrin because of our proven experience delivering merchant onboarding, KYC, KYB, and AML solutions for financial institutions and payments providers.
Our integrated SaaS platform combines verification, fraud detection, AML screening, and compliance case management within a single solution, while its API-first architecture enables seamless integration and adapts easily to changing business and regulatory requirements
