Verofy KYC
Verofy KYC is the in-app onboarding journey that takes a merchant from an SMS invite to an approved, KYC-verified account: identity check, products and rates, and e-signed agreements, without paperwork or a sales call. I worked as a product engineer on the React Native flow.
- ~5 minIn-app setup
- ~60 minTypical approval
- ID + selfieIn-app identity check
01Context
Verofy is an FCA-authorised acquirer (Payment Service Regulations 2017, ref 785762), so no merchant can take a payment until they're KYC-verified. Verofy KYC is the onboarding journey that does it, turning a regulatory requirement into a roughly five-minute, in-app sign-up.
It runs inside the Verofy App on iOS and Android: a merchant gets an SMS invite, downloads the app, and completes everything without paperwork or a sales call.
02The challenge
KYC is where onboarding conversion goes to die. Identity verification, document capture, and compliance checks all have to happen, and every step is friction that can lose a merchant. The job was a flow that satisfies a regulated acquirer's due diligence yet still feels like a quick consumer sign-up.
And it has to hold up: an in-date government ID, on-screen photo-quality guidance, encrypted data handling, and e-signed agreements, with a recoverable state if someone drops out mid-flow.
03What I built
I worked as a product engineer on the in-app KYC and onboarding flow (React Native). The journey is three clear steps: review products and rates, complete the identity check (driving licence or passport plus a selfie), and confirm the agreements with an in-app e-signature, each with explicit state, validation, and guidance so people don't get stuck.
Around it: SMS-invite deep links into the app, document capture with on-screen quality guidance, and real-time status updates by email and push so a merchant always knows where they are between submission and approval.
04Outcome
Verofy publishes a roughly five-minute in-app setup and typical account approval within about an hour: a compliant KYC onboarding that reads like a consumer sign-up, on iOS and Android, inside an FCA-authorised platform.
Throughout, the aim was fewer drop-offs without cutting a single compliance corner. Friction removed by design, not by lowering the bar.
