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Payment and identity capabilities by country

Unirail's catalogue splits what providers do into 33 capabilities across 6 layers, from bank links and pay by bank to Confirmation of Payee, KYC checks and sanctions screening. Each one opens a page with every provider that offers it, the countries they cover and the source for each claim.

  • 1 provider
  • 2
  • 3 to 4
  • 5 or more
  • Unirail routes it there

Banking

Reading bank accounts and moving money between them.

  • Account details

    Account details are the sort code and account number, IBAN, or ACH routing and account number of an account your user links.

    8 providers · 34 countries · routed to Enable Banking, Plaid and Yapily

  • Balances

    A balance check reads the current and available balance of an account your user links.

    6 providers · 33 countries · listed only

  • Transactions

    Transaction data is the history of payments in and out of an account your user links.

    7 providers · 33 countries · listed only

  • Account insights

    Account insights are data derived from linked accounts, such as income and employment, assets, cash flow, categorisation and underwriting reports.

    3 providers · 21 countries · listed only

  • Single payments

    A single payment is one immediate payment from the payer's bank account, approved by the payer at their bank.

    9 providers · 32 countries · routed to Enable Banking, Plaid and Yapily

  • Scheduled payments

    A scheduled payment is one the payer approves now for a later date, or a standing order.

    4 providers · 31 countries · listed only

  • Sweeping VRP

    Sweeping VRP moves money in varying amounts between accounts the same person holds in the UK, under one long-lived mandate.

    4 providers · 1 country · routed to Plaid

  • Commercial VRP

    Commercial VRP pays varying amounts to a merchant or other third party in the UK under one mandate.

    4 providers · 1 country · listed only

  • Bulk payments

    A bulk payment is many payments the payer approves together in one bank authorisation.

    4 providers · 31 countries · listed only

  • Payouts

    A payout sends money from a balance the provider or the platform holds to a recipient's account.

    10 providers · 37 countries · listed only

  • Virtual accounts

    Virtual accounts are collection accounts with their own local details (virtual IBANs, sort codes, routing numbers) that receive money for the platform or its users.

    6 providers · 27 countries · listed only

  • Direct debits

    A direct debit pulls money from the payer's account under a mandate, such as ACH debit, Bacs Direct Debit or SEPA Direct Debit.

    3 providers · 28 countries · listed only

Verification

Checking that account details belong to who you expect before money moves.

  • Confirmation of Payee

    Confirmation of Payee is the UK name check. It asks the payee's bank whether the name matches the sort code and account number.

    6 providers · 1 country · listed only

  • Verification of Payee

    Verification of Payee is the EU name check the Instant Payments Regulation requires. It asks the payee's PSP whether the name matches the IBAN.

    9 providers · 21 countries · listed only

  • Account ownership

    An account ownership check proves the user holds an account by linking it at their bank. The bank returns the holder's name where it reports one.

    6 providers · 22 countries · routed to Enable Banking, Plaid and Yapily

  • Micro-deposits

    Micro-deposits are small deposits the user confirms to prove they control an account that can't be linked.

    1 provider · 1 country · listed only

Identity

Checking who a person or business is.

  • ID document check

    An ID document check captures a government ID and checks that it's genuine.

    7 providers · 37 countries · routed to Plaid

  • Selfie and liveness

    A selfie and liveness check confirms that a live person took the selfie or video and that it matches the photo on their ID document.

    7 providers · 37 countries · routed to Plaid

  • Database check

    A database check compares the name, address, date of birth or ID number your user gives against credit bureau, government or telecom records. What it can check differs from country to country.

    6 providers · 35 countries · routed to Plaid

  • National eID

    A national eID check verifies a person through an electronic ID they already hold, such as BankID, MitID, itsme, Smart-ID or SPID.

    1 provider · 10 countries · listed only

  • Business verification

    Business verification (KYB) looks a company up in its registry and checks its directors and ultimate beneficial owners.

    1 provider · 37 countries · listed only

  • Identity prefill

    Identity prefill fills in a user's details from a network, their phone or their bank to shorten onboarding. It doesn't verify who the user is.

    2 providers · 3 countries · listed only

Compliance

Checking people and payments against sanctions, PEP and adverse-media lists, plus ongoing transaction monitoring.

  • Sanctions screening

    Sanctions screening checks people and businesses against sanctions lists and watchlists.

    7 providers · 37 countries · listed only

  • PEP screening

    PEP screening checks whether a person is politically exposed or a close associate of someone who is.

    7 providers · 37 countries · listed only

  • Adverse media

    Adverse media screening searches news and other public sources for negative coverage of a person or business.

    6 providers · 37 countries · listed only

  • Payment screening

    Payment screening checks each payment's parties and details against sanctions lists in real time, before the payment is sent.

    1 provider · 37 countries · listed only

  • Transaction monitoring

    Transaction monitoring flags payments and account activity that need review or a suspicious activity report. Filing the report stays with the regulated party.

    2 providers · 37 countries · listed only

  • Travel Rule

    A Travel Rule exchange sends originator and beneficiary details to the other side of a crypto transfer, as FATF's Travel Rule and the EU transfer-of-funds rules require.

    1 provider · 37 countries · listed only

Risk

Scoring how likely a payment is to be returned or a user to be fraudulent.

  • Return risk

    A return risk score estimates how likely a bank debit is to be returned, for example for insufficient funds.

    2 providers · 2 countries · listed only

  • Fraud signals

    Fraud signals come from device and behaviour data, synthetic identity checks and shared fraud networks.

    7 providers · 37 countries · listed only

Money movement

Currency conversion, cross-border transfers and stablecoin ramps.

  • FX

    FX converts money from one currency to another.

    3 providers · 19 countries · listed only

  • Cross-border transfers

    A cross-border transfer sends money to another country over local rails or SWIFT.

    3 providers · 37 countries · listed only

  • Stablecoin ramps

    A stablecoin ramp moves money between bank accounts and stablecoins in either direction.

    2 providers · 16 countries · listed only

Capabilities grouped by job

Each use-case page shows the capabilities one job needs, with coverage by country and how Unirail routes them.

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