What Kompliant does

Kompliant is a private financial technology company founded in 2021 and headquartered in San Jose, California, that builds an AI-powered compliance workflow orchestration platform for banks, payment processors, ISOs, and fintechs. The platform automates the full merchant compliance lifecycle, organized into three product pillars: Account Opening (KYB and KYC verification, decision workflow automation, and API integrations), Account Health (re-underwriting and continuous business and owner monitoring), and Audit Automation (audit-ready documentation and decision defense capabilities). The core technology layer, branded "Kompliant Intelligence," applies AI-driven risk models and configurable compatibility rules to automate underwriting decisions in accordance with each customer's credit and risk policy, drawing on pre-integrated third-party data providers for identity verification, fraud detection, and risk indicators.

The company's go-to-market combines direct enterprise field sales targeting risk managers, underwriters, finance teams, and CTOs with a developer-led self-service motion via its API-first architecture and developer portal. Distribution is reinforced by a strategic partnership with Equifax (announced July 2024) for joint go-to-market of fraud prevention and risk management solutions. Revenue is generated through annual subscription contracts and usage-based API integration fees, with custom quote-based pricing and no publicly disclosed price tiers. Kompliant is SOC 2 Type II certified and its customer base includes Merrick Bank, Global Payments, Mastercard, Talus, Basys, and USIO. In October 2025, Kompliant was acquired by LegitScript (backed by private equity firm TJC), positioning the company within a larger merchant risk monitoring and certification platform. The combined entity addresses end-to-end merchant lifecycle compliance, from digital application and KYB/KYC verification through decisioning workflows, re-underwriting, continuous monitoring, and audit facilitation.

Name

Kompliant

Legal name

Kompliant Inc.

Website

https://kompliant.com

Company type

Private

Founded year

2021

Operating status

Acquired

Headcount range

11–50 employees

Short description

Kompliant provides an AI-powered compliance orchestration platform that automates merchant KYB/KYC verification, underwriting, continuous monitoring, and audit documentation for banks, payment processors, ISOs, and fintechs, and now operates as a subsidiary of LegitScript.

Ownership category

akta.pro rank

Product category

RegTech / Compliance Software

NAICS

Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Merchant & Payment Facilitator (PayFac) Underwriting / KYB (FSAMAMAJ)

akta.pro secondary industries

KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB), Ongoing Monitoring & Periodic Reviews (KYC Refresh) (FSAMAMAL), Compliance, GRC Workflow & Audit Automation Platforms (HDAEAHAL)

Keywords

• Compliance orchestration software
• KYB KYC verification
• Merchant underwriting automation
• Regulatory compliance platform
• Fraud risk management

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Compliance Platform Subscription: Subscription-based access to Kompliant's compliance orchestration platform including KYB/KYC verification, decision workflow automation, continuous monitoring, and audit automation capabilities.
2. API Usage & Integration Services: Revenue generated from API integrations and usage of platform services. Developer-centric approach with API-first architecture.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Kompliant provides an AI-powered compliance workflow orchestration platform that automates the full merchant lifecycle for banks, payment processors, ISOs, and fintechs. Its offerings span account opening (KYB/KYC verification, decision workflow automation, API integrations), account health (re-underwriting, continuous monitoring), and audit automation (audit-ready documentation, decision defense). The platform uses proprietary Kompliant Intelligence to configure underwriting decisions to each customer's credit and risk policy.

Product overview

Kompliant is a compliance orchestration platform for the modern payments ecosystem, offering a unified platform architecture that combines multiple integrated modules. The core products include KYB & KYC Verification for automated identity verification, Decision Workflow Automation powered by proprietary Kompliant Intelligence, and API Integrations for seamless connectivity. The Account Health suite encompasses Re-Underwriting for event-driven reassessments and Continuous Monitoring for ongoing risk surveillance. The Audit Automation capabilities include Audit Ready documentation and Decision Defense Capabilities. All modules share the same API architecture and data layer, enabling real-time risk assessments and automated compliance workflows across the entire merchant lifecycle.

Differentiator

Problem solved

Functional benefit

Products and services

• KYB & KYC Verification Single solution for fully automated verification of businesses and beneficial owners. Pre-integrated to leading data providers covering identity verification, fraud detection, and risk indicators. Built for banks, payment processors, ISOs, and SaaS commerce platforms onboarding merchants.
• Decision Workflow Automation Intelligent workflow orchestration powered by Kompliant Intelligence that automates decision workflows, reducing manual reviews and accelerating time-to-decision. Configured to customer credit and risk policy for underwriting teams.
• API Integrations Modern REST API architecture for developers that ensures easy integration, seamlessly tying together Kompliant compliance solutions with existing CRM, internal systems, and workflows.
• Re-Underwriting Event-driven reassessments of merchant portfolios to ensure they meet risk, compatibility, and compliance standards. Assessments can be initiated via API or dashboard UI.
• Continuous Monitoring Every approved account is encapsulated within a configurable compatibility and compliance boundary that is continuously monitored for potential risks related to regulators, sponsor banks, and card networks.
• Audit Ready Detailed compliance documentation that ensures seamless substantiation of underwriting and monitoring decisions for audit readiness, regulatory compliance, and sponsor bank relationships.
• Decision Defense Capabilities Ensures accurate, transparent, and defensible decision-making with detailed documentation of compliance decisions, reducing audit preparation time and strengthening partner trust.

Quantifiable outcome

• Automated KYB/KYC processes reduce onboarding time by up to 75%, enabling faster merchant activation and revenue realization
• +3 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core, flagship and minor.

• LegitScriptcoreStrategic or Co-development Partner · 27 October 2025LegitScript acquired Kompliant in October 2025 to combine Kompliant's compliance orchestration platform with LegitScript's comprehensive risk monitoring and merchant risk solutions. The acquisition creates a unified platform for end-to-end merchant lifecycle compliance from digital application through ongoing monitoring.
• EquifaxflagshipTechnology or Integration · 1 July 2024Strategic partnership announced July 2024 where Kompliant leverages Equifax Digital Services' Payment Fraud solutions (Kount Command) for fraud prevention and risk management. Joint white paper published June 2025 surveying 500 financial technology professionals on compliance transformation.
• Dan Charron (Advisor)minorOthersAdvisor with extensive payments industry experience: Fiserv (Chairman Global Business Solutions), Chase Paymentech (President & CEO), Bank of America Merchant Services (Chairman).
• John Partridge (Advisor)minorOthersAdvisor with extensive industry experience: Visa (Former President), Cigna (Board Member), Global Payments (Board Member).
• Brad Wiskirchen (Advisor)minorOthersAdvisor with payments and fraud prevention expertise: CVC (Industrial Partner), Equifax (GM Global Digital Solutions), Kount (CEO).

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Onfido: Onfido provides AI-based identity verification and KYC/AML onboarding for banks, fintechs and payment providers — directly comparable in target customer and core verification capability to Kompliant.
• Trulioo: Trulioo provides global KYB and KYC verification through a single API, serving banks, payment processors and fintechs with identity, business and document verification — comparable global KYC/KYB offering to Kompliant's.
• Persona: Persona offers a unified identity verification platform for KYC, KYB and AML use cases, serving fintechs, banks, and online businesses with configurable workflows — directly overlapping Kompliant's verification and onboarding core.
• Middesk: Middesk provides automated business verification and KYB for payments companies, banks and fintechs — a head-to-head competitor in the merchant-underwriting and ongoing-monitoring use cases Kompliant targets.
• Alloy: Alloy is an identity-decisioning platform for banks and fintechs that orchestrates KYC/KYB, fraud and AML workflows across multiple data providers — competing with Kompliant's orchestration layer and API-first architecture.
• Jumio: Jumio offers identity verification, KYC/AML and fraud prevention for banks, payment processors and fintechs — addressing the same merchant onboarding and compliance-monitoring workflows as Kompliant.
• Unit21: Unit21 provides a no-code risk and compliance operations platform covering transaction monitoring, KYC/KYB and fraud — directly overlapping Kompliant's compliance orchestration and audit-ready documentation capabilities.
• Socure: Socure delivers identity verification, KYC and fraud-risk decisioning for financial services and fintechs — overlapping Kompliant's fraud-prevention and onboarding automation for banks and processors.
• Veriff: Veriff delivers AI-driven identity verification and KYC/AML compliance for financial services and online platforms, overlapping Kompliant's identity-verification and decisioning capabilities for regulated customers.
• Sumsub: Sumsub offers an all-in-one KYC, KYB, AML and fraud-prevention platform for fintechs, banks and crypto businesses — addressing the same end-to-end compliance lifecycle as Kompliant, with overlapping target verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/kompliant

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kompliant