TransactionLink
TransactionLink is a Berlin-based regtech company offering a no-code KYB/KYC onboarding automation platform with 150+ data integrations, serving over 100 financial institutions, payment service providers, and fintechs across Europe and globally.
- Company typePrivate
- Founded2023
- HeadquartersBerlin, Germany
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What TransactionLink does
TransactionLink is a Berlin-headquartered regtech company that operates a no-code automation platform for KYB (Know Your Business) and KYC (Know Your Customer) onboarding workflows used by financial institutions, payment service providers, and fintechs. The platform orchestrates verification checks across 150+ integrated data sources, including national corporate registries (UK Companies House, Handelsregister Deutschland, INPI France, GEMI Greece, InfoCamere Italy, CVR Denmark, CBE Belgium, Malta Business Registry, among others), credit bureaus (Schufa, Creditsafe, Coface, Creditreform, Iberinform), ID verification providers (Veriff, IDnow, iDenfy, Ondato, ComplyCube), AML and fraud screening services (ComplyAdvantage, Seon, Resistant AI), and eID systems (BankID, mObywatel, Smart-ID, MojeID). Core product capabilities include a drag-and-drop workflow builder with conditional logic, AI-powered document analysis using real-time OCR, automated UBO (Ultimate Beneficial Owner) investigation across complex ownership structures, AML checks for PEPs and sanctions screening, ongoing due diligence monitoring with periodic refresh, automated customer outreach, and a white-label embedded widget SDK for fully self-serve customer onboarding flows. Integration is delivered via a REST API (currently V2, with versioned Accept headers and Organization Token authentication) and a JavaScript widget SDK distributed via CDN.
The business model combines subscription-based SaaS pricing with usage-based components for API calls and verifications; enterprise pricing is quote-based and not publicly disclosed, while a free sandbox tier supports developer evaluation. Go-to-market is hybrid: product-led through developer documentation, sandbox environments, and self-serve API access, overlaid with direct enterprise sales targeting compliance and AML teams. The company serves 100+ customers including Fortune 500 names (Fiserv verifying 120k+ merchants, Viva Wallet operating across 24 jurisdictions) and European fintechs (Pliant, BCB Group, Klearly, Volt, Amnis, Paytel, Zen). Reported customer outcomes include a 60% reduction in KYB/KYC onboarding costs, 60% less time on investigations (Pliant), 4x faster international expansion (Klearly), and 80 hours saved weekly by compliance teams. The legal entity is TransactionLink spółka z ograniczoną odpowiedzialnością, registered in Warsaw, Poland (KRS 0000823971), with operational offices in Berlin (HQ) and London. As of October 2023 the company had raised a €5 million seed round led by White Star Capital with participation from Target Global and angels, supplementing an earlier ~$1.4M round from 2020 involving Entrée Capital and Target Global.
TransactionLink firmographics
Firmographics- Name
- TransactionLink
- Legal name
- TransactionLink spółka z ograniczoną odpowiedzialnością
- Website
- https://transactionlink.io
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- TransactionLink is a Berlin-based regtech company offering a no-code KYB/KYC onboarding automation platform with 150+ data integrations, serving over 100 financial institutions, payment service providers, and fintechs across Europe and globally.
- Ownership category
- akta.pro rank
TransactionLink industry classification
Industry- Product category
- RegTech / Compliance Automation Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI)
- akta.pro secondary industries
- Merchant & Payment Facilitator (PayFac) Underwriting / KYB (FSAMAMAJ), Onboarding, KYC & Account Verification Support (BPAAABAG), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
Keywords
Where TransactionLink is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
TransactionLink business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Subscription SaaS: TransactionLink operates as a B2B SaaS platform providing subscription-based access to its KYB/KYC automation platform. Customers pay for access to the workflow builder, integrations, and platform capabilities. Pricing likely follows a tiered model based on verification volume, number of workflows, or team size.
- API Usage: The platform's API-first approach likely includes usage-based pricing components for API calls and data verifications performed through integrated third-party providers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free sandbox tier for development and testing |
| Subscription | Annual | Production/Enterprise tier - custom pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
TransactionLink product offering
Product offeringCore offering
TransactionLink provides a no-code automation platform that lets financial institutions build, customize, and orchestrate KYB (Know Your Business) and KYC (Know Your Customer) onboarding workflows without engineering effort. The platform connects to 150+ data sources — corporate registries, credit bureaus, identity verification providers, AML/sanctions databases, fraud prevention tools, and government registers — to automate document verification, UBO investigation, sanctions/PEP screening, and ongoing due diligence, exposed through a drag-and-drop workflow builder, embedded white-label forms, case management, and a REST API.
Product overview
TransactionLink is a no-code KYB/KYC compliance automation platform designed for financial institutions. The core product is the No-Code Workflow Builder which orchestrates automated onboarding processes across 150+ data integrations including corporate registries, ID verification providers, credit bureaus, and AML screening services. Key modules include AI Document Analysis for OCR and document verification, UBO Investigation for complex ownership mapping, AML Checks for sanctions/PEP screening, Monitoring & Refresh for ongoing due diligence, Customer Outreach for automated communications, and Nature of Business Analysis for activity verification. The platform offers two deployment modes: an Embedded Widget (Full Self-Serve) for white-label customer-facing forms, and a Case Management system for internal compliance team review. Integration is achieved via REST API or JavaScript Widget SDK. The platform reduces KYB/KYC onboarding costs by up to 60% and claims over 100 business customers including Fortune 500 companies.
Differentiator
Problem solved
Functional benefit
Products and services
- No-Code Workflow Builder Drag-and-drop interface for building custom KYB/KYC onboarding and compliance workflows with conditional logic, provider orchestration, and automated decisioning, targeted at compliance and engineering teams at financial institutions.
- KYB Platform Comprehensive Know Your Business platform providing unified data access from 150+ corporate registries, ID verification, AML screening, automated workflows, and white-label customer-facing onboarding experiences for financial institutions.
- AI Document Analysis Real-time OCR and AI-powered analysis of identity documents, corporate registry extracts, and supporting evidence to automatically extract and verify data during onboarding, for compliance teams and onboarding operations.
- UBO Investigation for Complex Structures Automated identification of Ultimate Beneficial Owners and mapping of complex international ownership structures using registry data from 150+ sources, for compliance teams handling multi-jurisdiction corporate structures.
- AML Checks Instant screening against Politically Exposed Persons (PEPs), sanctions lists, and adverse media hits during customer onboarding and ongoing monitoring, for AML and compliance teams.
- Monitoring & Refresh (ODD) Automated ongoing due diligence with periodic registry checks and AML watchlist monitoring, supporting event-driven continuous customer verification for compliance operations.
- Customer Outreach Automated customer communication via email, SMS, or in-app notifications for follow-ups, document requests, and status updates during onboarding, for onboarding and operations teams.
- Nature of Business Analysis Enhances registry data with online insights to verify declared business activities, including NACE v2 to MCC mapping for accurate merchant categorization, for payment providers and PSPs.
- Embedded Widget (Full Self-Serve) White-label, fully customizable customer-facing onboarding forms embedded directly into the client's website or portal without redirects, supporting step-by-step and panel experiences with mobile-first design, for product and onboarding teams.
- Case Management Internal review interface for compliance teams to inspect customer data, perform manual checks, configure alert workflows, and manage escalations tailored to internal procedures.
- TransactionLink REST API REST API enabling programmatic workflow automation, records management, and organization administration with V1 (deprecated) and V2 versions, Organization Token authentication, webhooks, and endpoints for workflows, records, users, enrollments, and workspaces, for engineering teams.
- TransactionLink.js Widget SDK JavaScript SDK for embedding the onboarding widget directly into web applications via iframe or inline mode, with methods for real-time widget communication without complex backend integration, for engineering teams.
Quantifiable outcome
- Reduce KYB & KYC onboarding costs by 60%
- +4 more outcomes
Companies that use TransactionLink
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles2 records
TransactionLink technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration50 records
AI capability5 records
Feature8 records
TransactionLink partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core.
- VeriffcoreID verification integration partner providing real-time identity verification services integrated into TransactionLink's onboarding workflows.
- IDnowcoreID verification integration partner for identity document verification and authentication within TransactionLink's workflows.
- iDenfycoreID verification integration partner providing document verification and biometric authentication services.
- OndatocoreIdentity verification and compliance platform integration providing KYC services within TransactionLink's ecosystem.
- SEONcoreFraud prevention integration providing digital fingerprinting and risk scoring capabilities within KYB workflows.
- ComplyAdvantagecoreAML screening and compliance data integration providing real-time sanctions, PEP, and adverse media screening.
- Resistant AIcoreAI-powered fraud prevention integration for document verification and synthetic identity detection.
- CreditsafecoreCredit bureau integration providing company credit reports and business data for risk assessment.
- SchufacoreGerman credit bureau integration providing creditworthiness and company data for German market customers.
- Companies HousecoreOfficial UK government registrar integration providing company details, officers, and filing history data.
- Handelsregister DeutschlandcoreGerman commercial register integration providing company registration data and documents.
- CifascoreUK fraud prevention database integration providing fraud risk data for UK market compliance.
- BankIDcoreScandinavian digital identity integration providing secure authentication and identity verification for Nordic market customers.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
TransactionLink competitors and assessment
Company assessmentDirect peers
- Persona: Persona is a configurable identity verification and KYC/KYB platform serving fintechs, banks, and crypto companies with no-code workflows and a broad integration library — directly comparable to TransactionLink's orchestration model and target customer base.
- Alloy: Alloy provides an identity decisioning platform that orchestrates KYC/KYB, AML, and fraud checks via API for banks and fintechs. Its API-first, integration-rich approach to onboarding automation closely mirrors TransactionLink's positioning.
- Sumsub: Sumsub is a full-stack identity verification, KYC/KYB, AML screening, and ongoing monitoring platform used by fintechs, PSPs, and crypto firms globally. It competes head-to-head with TransactionLink for enterprise onboarding automation contracts.
- Middesk: Middesk is a KYB-focused platform that automates business verification, beneficial ownership, and underwriting for fintechs and banks. It is the most directly comparable pure-play KYB competitor to TransactionLink.
- Trulioo: Trulioo offers a global KYB/KYC verification platform with extensive cross-border data coverage and an API/embeddable workflow model, competing with TransactionLink for multi-jurisdiction enterprise onboarding deals.
- ComplyAdvantage: ComplyAdvantage provides AML screening, transaction monitoring, and KYC data. While more AML-native, it competes for the same compliance budget at banks and fintechs and is also one of TransactionLink's listed integration partners.
- Veriff: Veriff provides AI-driven identity verification used in KYC/KYB onboarding flows. It competes in the same fintech and financial institution customer segment and is integrated into TransactionLink's platform as well.
Broad incumbents
- Onfido (Entrust): Onfido, now part of Entrust, offers enterprise-grade KYC and identity verification at scale for global banks and fintechs. It is a broader incumbent whose identity verification capabilities overlap with TransactionLink's IDV stack.
- GBG (Acuant): GBG provides global identity verification, KYC, and AML solutions for regulated industries. As an established incumbent with broad geographic coverage, it competes for enterprise onboarding contracts that TransactionLink also targets.
Emerging players
- NorthRow (now part of Legal & General): NorthRow provides KYB and AML onboarding and monitoring workflows for financial institutions and regulated businesses in the UK and EU. Its orchestration-led approach to business verification is closely comparable to TransactionLink's workflow builder.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
TransactionLink social profiles
Digital presenceTransactionLink compliance and trust
Trust signalCompliance1 record
TransactionLink financial estimates
Financial estimateRevenue estimate
Valuation estimate
TransactionLink leadership team
Management profileNumber of profiles
Profiles2 records
TransactionLink funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TransactionLink M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TransactionLink
What does TransactionLink do?
TransactionLink provides a no-code automation platform that lets financial institutions build, customize, and orchestrate KYB (Know Your Business) and KYC (Know Your Customer) onboarding workflows without engineering effort. The platform connects to 150+ data sources — corporate registries, credit bureaus, identity verification providers, AML/sanctions databases, fraud prevention tools, and government registers — to automate document verification, UBO investigation, sanctions/PEP screening, and ongoing due diligence, exposed through a drag-and-drop workflow builder, embedded white-label forms, case management, and a REST API.
Is TransactionLink a public or private company?
TransactionLink is a private company. It is classified as venture growth investor backed and is currently operating.
When was TransactionLink founded?
TransactionLink was founded in 2023. It employs 1 to 10 people.
Where is TransactionLink based?
TransactionLink is headquartered in Berlin, Germany, in the Europe region.
How does TransactionLink make money?
Two revenue lines are on record. Subscription SaaS are the primary driver. The others are API Usage.
Who are TransactionLink's main competitors?
Direct peers on record are Persona, Alloy, Sumsub, Middesk, Trulioo, ComplyAdvantage and Veriff. Broad incumbents are Onfido (Entrust) and GBG (Acuant). NorthRow (now part of Legal & General) is listed as an emerging player.
Does TransactionLink have an API?
Yes. TransactionLink offers a REST API for workflow automation and KYB/KYC operations. The API supports V1 (deprecated) and V2 versions, using the Accept header for versioning. Authentication uses Organization Tokens (tot_xxx) preferred, with JWT Bearer tokens deprecated. The API provides endpoints for workflows (run, check status, get result), records management, resources/files, user management, enrollments, workspace memberships, and organization management. A sandbox environment was available for testing but has been decommissioned. A JavaScript widget SDK is available via CDN (https://widget.transactionlink.io/transactionlink-widget.umd.js). Webhooks are supported for real-time event notifications. Production API endpoint: api.transactionlink.io. Developer documentation is at docs.transactionlink.io/docs.
What industry is TransactionLink in?
TransactionLink's product category is RegTech / Compliance Automation Software. Its primary akta.pro industry code is BPAMAFAI, Fraud, Risk, KYC/AML & Compliance Platforms, with a secondary code of FSAMAMAJ, Merchant & Payment Facilitator (PayFac) Underwriting / KYB. Its NAICS code is 51821 and its SIC code is 7370.