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KYC Automated verification of customers and their data Learn more
Read now: 115-FZ: What Businesses Are Required to Do and How to Meet the Law’s Requirements 115-FZ: What Businesses Are Required to Do and How to Meet the Law’s Requirements 13.10.2026 1000 100
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Read now: Politically Exposed Person (PEP): Who It Is and What 115-FZ Requires Politically Exposed Person (PEP): Who It Is and What 115-FZ Requires 13.10.2026 1000 100
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Customer and transaction screening for payment services

Verification of fintech, wallet and money transfer users on a single platform: recognition of documents from 195+ countries and territories, checks against state databases, watchlists and sanctions, the police register of controlled persons, and real-time transaction monitoring.

Try it for free API documentation
The result of screening a payment service customer: document, police register, watchlists, sanctions, PEP
16 000+ document types from 195+ countries and territories
5 ₽ a watchlist, sanctions or passport check
36 ₽ PEP status and sanctions from 50+ countries for foreign nationals
KYT real-time transaction monitoring
Russian passport A foreign passport Tax number Phone Transactions

Data stored in Russia · Russian software registry no. 19972 · 115‑FZ and 152‑FZ

What the law requires of payment services

Operators of electronic money, transfers and payment acceptance fall under 115‑FZ. Below are the obligations and limits that bear directly on customer onboarding and on handling transactions.
NeuroVision supplies the data for screening customers and transactions. The identification procedure, decisions on the customer, the freezing of funds and reports to Rosfinmonitoring are defined and carried out by the operator.

  • E-wallets

    161‑FZ, art. 10(5) — the limits on an unidentified wallet.

    Customer screening (KYC)

    A wallet without identification

    • The balance and a single transfer — no more than 15,000 ₽
    • Transfers per month — no more than 40,000 ₽

    After identification · 115‑FZ

    • Higher limits and person-to-person transfers — after simplified or full identification of the customer

  • Customers and watchlists

    115‑FZ — identification, the Rosfinmonitoring watchlists and politically exposed persons.

    Watchlist screening

    Before the transaction goes through

    • Identify the customer and the beneficiary — 115‑FZ, art. 7
    • Screen the customer against the Rosfinmonitoring watchlists — at onboarding
    • Take on a foreign public official only by written decision of management

    On a match

    • Freeze the funds — the national list and the Interagency Commission's decisions — within 24 hours of publication

    From 03.03.2026 · 44‑FZ

    • Banking payment agents no longer identify individuals

  • Foreign nationals and fraud

    The police register of controlled persons and the «Antifrod» state system.

    Preparing for the «Antifrod» state system

    From 05.02.2025 · the police register

    • The register of controlled persons: foreign nationals with no legal grounds to stay in Russia
    • A person on the register cannot be given an account, and credits and cash withdrawals are capped at 30,000 ₽ a month

    From 01.03.2026 · 41‑FZ

    • Take data from the «Antifrod» state system into account on transfers — for money transfer operators

    From 01.03.2027 · 210‑FZ

    • Submit data to the «Antifrod» state system

KYC for e-wallets and transfers: six tasks

A payment service has to let the customer in quickly without letting a fraudster through — and then watch what they do. These are the tasks we are approached with most often.

Three customer tiers — three sets of checks

  • Without identification

    A 15,000 ₽ cap on the balance and 40,000 ₽ a month. Anti-fraud is what matters here: the phone number, repeat sign-ups and signs of a money mule — so that an anonymous wallet does not become a transit point.

  • Upgrading the status

    Passport recognition and a validity check, the tax and social insurance numbers against state databases, and the Rosfinmonitoring list. The data feeds the procedure the operator carries out.

  • Full status and large transfers

    Sanctions and PEP status, the register of controlled persons for foreign nationals, and transaction monitoring.

The customer's tier is set by the law and by your own procedure.
NeuroVision supplies the checks for every tier.

A payment service customer going through verification in the app

How a customer check works

The checks slot into the onboarding flow of your app or web account and return an answer before the customer gets access to transfers.

Step 1

The document with no manual entry

A Russian passport or a foreign national's document is recognised in the app, with the name in Latin script taken from the MRZ. The document is checked for forgery and traces of editing.

The customer form filled from the MRZ: name in Latin script, date of birth, document number, no forgery detected
Step 2

The checks in a single request

Passport validity, the tax number, the social insurance number, the Rosfinmonitoring list, sanctions, PEP status and the register of controlled persons — only what your procedure requires.

One API request, six customer checks: passport, tax number, register of controlled persons, watchlist, sanctions, PEP
Step 3

The decision and monitoring

For every check: the result, the source and the date, in JSON. Your service's rules grant access, cap the limits or send the case for manual review; from there the customer's transactions flow into KYT.

The decision on the customer: access to transfers granted, transaction monitoring flagged structuring

KYT for a payment system: transaction monitoring

Real-time alerts

The transaction is checked before it completes

Configurable scenarios, thresholds and filters to match your risk policy. A suspicious transaction can be held or passed straight into review.

KYT

115‑FZ, FATF, sanctions, PEP

Products and checks for a payment service

Every check is enabled separately and you pay for the requests performed. Descriptions, sources and response fields are in the API check catalogue.

The document and the customer's data

Recognition and checks against state databases.

  • KYC · OCR

    Recognition of documents from 195+ countries and territories

    Passports from 195+ countries and territories are recognised with no manual entry, with the name in Latin script from the MRZ.

    Learn more
  • Police · SMEV

    Validity of a Russian passport

    The authenticity and validity of a Russian passport through the interagency interaction system. It catches expired, replaced, lost and invalid documents and verifies that the passport was issued to this particular person.

    5 ₽ / check

    Learn more
  • Federal Tax Service

    Retrieving the tax number

    Determining the tax number from the passport data. It unlocks the checks that need precise identification of the person — with no namesakes.

    5 ₽ / check

    Learn more
  • Social Fund · SMEV

    Validating the social insurance number

    Checking the social insurance number against the full name and date of birth: does the number really belong to this person. The answer is a match or no match.

    5 ₽ / check

    Learn more
  • Police

    The police register of controlled persons

    A check on a foreign national against the register of controlled persons that the police have kept since February 2025: people who have lost the legal grounds to stay in Russia. Russian citizens do not need the check — by law they are not in the register.

    5 ₽ / check

    Learn more
  • Telecom operators

    Age confirmation

    Confirming that the customer is of age from telecom operator data — with no passport scan.

    5 ₽ / check

    Learn more

What the checks cost for a payment service

Checks against databases and lists carry a fixed price per request, with no subscription fee. Document recognition, anti-fraud and transaction monitoring are quoted against your flow of customers and transactions.

Document recognition, anti-fraud, phone number checks and transaction monitoring (KYT) are priced separately — we will quote for your volume.

Integration: the API, a widget or your own perimeter

The checks slot into your app's onboarding through the API, and KYT into your processing through the API and webhooks. Large operators can install it inside their own perimeter.

REST API

Send the document data, the tax number and the phone in one JSON request and choose the checks — the result comes back by run ID or by webhook. API documentation

  • JSON and webhooks
  • ISO 20022 for KYT
  • A cloud in Russia
  • On-premises

Test access on the day you ask for it.

Payment for the checks performed, with 24/7 support.

Why payment services choose NeuroVision

A payment service needs a vendor that can take the load, handle foreign documents and cover both onboarding and transactions.

The customer and their transactions on one platform

Documents, database checks, watchlists, sanctions, the register of controlled persons and transaction monitoring — one vendor and one API.

KYC data is available in KYT straight away, with no reconciliation between systems.

OCR MRZ 195+ JSON

Foreign documents

16,000+ document types from 195+ countries and territories, with the name in Latin script from the MRZ.

A price per check

Database checks from 5 ₽, with no subscription fee.

Data in Russia

A cloud in Russia or an installation inside your perimeter; 152‑FZ and 242‑FZ.

Skolkovo — participant

A Russian developer

A Skolkovo resident; the platform is entry no. 19972 in the Russian software registry.

Read also

Fintech compliance, sanctions screening and anti-fraud — in our blog.

Fintech Compliance Under Federal Law 115-FZ: How to Build a KYC and AML Loop Without Overloading the Team
321 22
KYC, AML and Digital Identification

Fintech Compliance Under Federal Law 115-FZ: How to Build a KYC and AML Loop Without Overloading the Team
AML for International Onboarding: How to Screen Customers Against the OFAC, EU, and UK Lists
406 19
KYC, AML and Digital Identification

AML for International Onboarding: How to Screen Customers Against the OFAC, EU, and UK Lists
KYT (Know Your Transaction): What It Is, How Transaction Monitoring Works, and Where the Travel Rule Fits In
114 16
KYC, AML and Digital Identification

KYT (Know Your Transaction): What It Is, How Transaction Monitoring Works, and Where the Travel Rule Fits In
Anti-fraud system: architecture and real-time fraud monitoring
335 15
Anti-Fraud, Liveness and Deepfake Protection

Anti-fraud system: architecture and real-time fraud monitoring
All our articles

Frequent questions about screening payment service customers

Recognition of the customer's document, checks of the data against state databases, the Rosfinmonitoring list, sanctions lists and PEP status, and for foreign nationals the police register of controlled persons. After onboarding comes transaction monitoring (KYT).

No. The procedure for identification and simplified identification under 115‑FZ is defined and carried out by the operator. NeuroVision recognises the document and checks the data against databases, watchlists and sanctions lists — the operator then uses those results in its own procedure.

Under 161‑FZ the electronic money balance and the amount of a single transfer may not exceed 15,000 ₽, and transfers in a calendar month may not exceed 40,000 ₽. To lift those limits the customer has to be identified.

Recognise the document — passports from 195+ countries and territories, with the name in Latin script from the MRZ — then check them against the police register of controlled persons, sanctions lists and PEP lists. Compliance screening against sanctions from 50+ countries costs 36 ₽ per check.

A police register kept since 5 February 2025: it lists foreign nationals with no legal grounds to stay in Russia. Such people cannot be given an account, and credits and cash withdrawals are capped at 30,000 ₽ a month. The register check in NeuroVision costs 5 ₽.

Onboarding answers the question of whether you can do business with the customer at all. KYT watches what the customer does next: structuring, transit chains and cash-out. The alert arrives at the moment of the transaction, and it can be held.

Yes, through KYB: the registers, the director, the beneficial owners, the company's representative and sanctions. The check runs before the merchant is connected to payment acceptance.

In the NeuroVision cloud in Russia, or in your own infrastructure with an on-premises installation. 152‑FZ and 242‑FZ.

Checks against databases and lists cost from 5 ₽, compliance screening costs 36 ₽ and a package of 16 checks costs 50 ₽. Recognition, anti-fraud and KYT are quoted individually. We give test access the same day you ask.

We will put together the checks for your service

Tell us how many customers and transactions you have a month and whether you have foreign customers — we will assemble a set of checks and give you test access.

Can't put your request into words? Book a call and our team will contact you at a convenient time

Book a call

The company is included in the register of IT companies and the register of personal data operators of the Russian Ministry of Digital Development.

Address: Moscow, Presnenskaya Embankment 12 — Moscow City business centre, Federation Tower. Nearest metro stations: Delovoy Tsentr and Mezhdunarodnaya.