What Is KYC and Why Is It Needed?
KYC (Know Your Customer) is identity verification. It's required by financial regulations and is the standard process for issuing payment cards worldwide. Zypto uses KYC to verify your identity before issuing Premium Visa Cards.
Different Zypto products have different verification requirements depending on their characteristics. For example, non-reloadable virtual cards are provided by third-party suppliers whose requirements may vary. This article covers the KYC process for Premium cards.
What You Need for KYC
KYC for Premium cards is handled through SumSub, a widely used verification provider. You'll need:
A valid government-issued photo ID (passport, national ID card, or driver's licence). The document must be current and not expired.
A selfie taken during the verification process (the app will guide you through this).
Proof of address (a utility bill, bank statement, or official document showing your name and address, typically issued within the last 3 months).
Make sure your documents are clear and legible before starting. A well-lit photo of your ID on a plain background goes a long way.
How To Complete KYC
Open the Zypto app and navigate to the Premium card section.
Tap to start the card application process.
You'll be redirected to SumSub for verification.
Upload a photo of your ID (front and back if applicable).
Take a selfie when prompted. Follow the on-screen instructions carefully.
Upload your proof of address document.
Submit and wait for approval.
How Long Does It Take?
In most cases, KYC is processed within a few minutes. Occasionally it may take up to 24 hours, especially during busy periods or if additional checks are needed.
If your verification is still pending after 24 hours, contact our support team with your email address and we'll check the status for you.
Tips for a Smooth Verification
Good lighting: Take photos in a well-lit area. Avoid shadows, glare, and reflections on your ID.
Plain background: Place your ID on a flat, contrasting surface. Don't hold it in your hand if possible.
Full document visible: Make sure all four corners of the ID are visible and nothing is cut off.
No blurriness: Hold your phone steady. Blurry photos are one of the most common reasons for rejection.
Match your details: The name and address on your ID should match what you enter in the app. Any mismatch can cause delays or rejection.
Valid document: Expired IDs will be rejected. Make sure your document is current.
Proof of address: Use a recent document (within the last 3 months). It should clearly show your full name and residential address.
Common Issues and How To Resolve Them
My document was rejected
The most common reasons for document rejection are blurry photos, glare on the ID, expired documents, or the document being partially cut off in the image. Try resubmitting with a clearer photo. If your document keeps being rejected and you're sure it's valid and clear, contact support and we'll look into it.
"Something went wrong" error
If you see a generic error message during or after KYC, this can sometimes be caused by a temporary issue on the verification provider's end rather than a problem with your documents. Wait a few minutes and try again. If the error persists, contact our support team with a screenshot of the error and your email address. We'll check what's happening on our side.
KYC approved but my card wasn't issued
Occasionally there can be a delay between KYC approval and card issuance, especially if the card issuer is experiencing high volume. If your KYC shows as approved but you haven't received your card within a few hours, contact support. This is something our team can investigate and resolve.
My application was denied
Applications can be denied for a number of reasons, including being in a restricted country, providing documents that don't meet requirements, or not passing the verification checks. If your application was denied and you believe it shouldn't have been, contact support with your email address and we'll look into the specific reason and advise on next steps. For the current list of prohibited jurisdictions, see Card Prohibitions.
I'm stuck on a verification step
If the app seems stuck during verification (loading indefinitely, or not progressing to the next step), try the following:
Close and reopen the Zypto app
Make sure your app is updated to the latest version
Check your internet connection
Try again on a different network (switch between Wi-Fi and mobile data)
If none of that helps, contact support and we'll guide you through it.
I was asked to redo my KYC
In rare cases, you may be asked to resubmit your documents. This usually happens if there was an issue with the original submission (for example, a document wasn't legible enough for automated checks). Follow the same steps as before and make sure to use clear, well-lit photos.
Do I need to complete KYC again for other Zypto products?
Once your KYC is approved for Premium cards, you generally don't need to verify again for the same product. However, different products or services may have their own verification requirements. If you're unsure, check the specific product page or contact support.
When You'll Need To Speak to Support
Some KYC issues can't be resolved through self-service and need our support team to investigate. Contact us if:
Your KYC has been pending for more than 24 hours with no update
You received a generic error that persists after retrying
Your application was denied and you're not sure why
Your KYC was approved but your card wasn't issued
You need to update the details you submitted during KYC
You're in a country where availability is unclear
When contacting support, please have the following ready so we can help you quickly:
Your registered email address
A screenshot of any error messages
The country you're verifying from
Our support team is available 24/7 in most regions and happy to help you get through the verification process.
For Zypto's full terms and conditions, including Card Prohibitions and eligibility requirements, visit zypto.com/legal.