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Which white-label platforms handle KYC/KYB for buyers and suppliers?

Cash. Cash. Cash
4 min read
December 29, 2025

White-label platforms that handle KYC/KYB for buyers and suppliers include Aria, Lemonway, Stripe and Dotfile.

For B2B marketplaces, payments are never just about moving money. You’re onboarding two distinct user groups, managing credit risk, staying compliant across jurisdictions, and doing all of that without slowing down transactions.

That’s why many marketplaces turn to white-label platforms with built-in KYC (Know Your Customer) and KYB (Know Your Business). The right choice depends on how tightly you want compliance integrated with payments and whether your priority is speed, flexibility, or infrastructure ownership.

Two approaches to KYC/KYB in B2B marketplaces

One important consideration is who actually owns and can reuse the KYC/KYB data. In some setups, verification happens outside the marketplace via a third-party payment or banking provider. This reduces the operational burden on the platform and limits exposure to sensitive documents, but it also means the verification is tightly coupled to that provider. 

If the marketplace later changes payment partners, suppliers may need to be re-verified because the KYC approvals aren’t portable. The trade-off is simplicity and speed today versus flexibility and portability in the long term.

There are two main models when it comes to KYC/KYB for marketplaces:

1. Full-stack payment & compliance platforms

These platforms combine:

  • Onboarding
  • KYC/KYB and AML checks
  • Payments and settlements
  • Wallet or account infrastructure
  • (In some cases) financing or credit decisioning

Best for marketplaces where compliance is inseparable from how money flows.

This approach works well when:

  • Buyers are businesses that require KYB verification before transacting
  • Suppliers expect fast payouts
  • You don’t want to integrate multiple vendors for identity, payments, and risk

Aria, Lemonway and Stripe fit this category, each with a different architecture and philosophy.

2. Dedicated white-label compliance providers

These providers focus solely on KYC, KYB, AML, and monitoring. They don’t handle payments or settlements.

This model is ideal if:

  • You already have a PSP, EMI, or banking partner
  • You want full control over onboarding UX
  • Compliance is a standalone requirement rather than part of your payment flow

Dotfile represents this segment well.

Aria: KYC/KYB designed to unlock faster payments

Aria is built for marketplaces where slow payments lead to churn, leakage, and supplier frustration.

Aria combines embedded financing, payments, and KYC/KYB in a single white-label flow. Identity verification isn’t treated as a separate add-on; it’s part of the real-time decision matrix that determines who can transact, who can be financed, and under what terms.

What this looks like in practice

  • Suppliers receive payouts within 24 hours once invoices are validated
  • Buyers keep their existing 30/60/90-day terms
  • KYC/KYB runs quietly in the background across 100+ countries
  • No duplicate checks or broken journeys
  • One unified flow that scales with transaction volume

Because Aria typically assumes credit and default risk, identity verification becomes infrastructure, not friction. It enables:

  • Automated decisions
  • 90% funding acceptance, including SMBs
  • Protection against fraud and credit losses
  • Faster, more predictable payouts

Ideal for: Marketplaces that want to accelerate payments, unlock financing, and maintain a seamless UX.

“If a seller is getting paid faster, they will be able to sell more and therefore the marketplace will be able to grow their transaction volume” – Tom Lamb, Financing Expert at Aria

Lemonway: Payment infrastructure with built-in onboarding and compliance

Lemonway is a regulated PSP and EMI that provides marketplaces with payment infrastructure, wallets, payouts, and integrated KYC/KYB.

Its Online Onboarding solution covers:

  • Identity verification for individuals and businesses
  • Document collection and validation
  • AML, sanctions, and PEP screening
  • Wallet opening and account activation
  • Hybrid automation + human review

Lemonway is particularly strong in European marketplaces with complex fund flows and multi-party payments.

Best for

  • Marketplaces that need regulated payment rails and wallets
  • Platforms operating under European AML/KYC requirements
  • Use cases where payouts, escrow, or split payments are core

Trade-off: Lemonway is powerful and reliable, but heavier than purely modular tools. It’s best when payments and compliance are central to your platform — not just a background utility.

Stripe: Payments-first compliance for scalable platforms

Stripe approaches KYC/KYB from a payments-first perspective.

Through products like Stripe Connect and Identity, Stripe supports:

  • Seller and merchant onboarding
  • Identity verification and document checks
  • KYB for connected accounts
  • Ongoing monitoring tied to payment activity
  • Global coverage across many jurisdictions

Stripe is a strong fit for platforms that want:

  • A single provider for payments and basic compliance
  • Fast setup and global scalability
  • Tight integration with checkout and settlement flows

Best for

  • Marketplaces already built on Stripe
  • Platforms prioritising speed to market
  • Teams comfortable working within Stripe’s compliance framework

Trade-off: Stripe’s compliance tooling is designed to support payments, not replace a fully custom risk or onboarding engine. Flexibility is more constrained than infrastructure-first providers.

Dotfile: White-label KYB and identity verification

Dotfile is a dedicated compliance platform specialising in KYB, KYC, AML, and risk scoring — without touching payments.

It provides:

  • White-label KYB and KYC flow
  • Global business data and UBO discovery
  • AML screening and ongoing monitoring
  • AI-powered document analysis
  • Risk scoring and case management
  • Fully custom onboarding scenarios

Dotfile is built for teams that want maximum control over how businesses are onboarded and verified.

Ideal for

  • Marketplaces with existing payment providers
  • Platforms with complex KYB requirements
  • Teams wanting to optimise conversion while staying compliant

Just remember: Dotfile verifies users, it does not move money, manage wallets, or handle settlements. You’ll need to connect it to the rest of your stack.

Choosing the right tool

A useful guiding question: Do you want KYC/KYB to simply keep you compliant, or actively accelerate your marketplace growth?

Choose a full-stack solution if you need:

  • Faster supplier payouts
  • Higher GMV
  • Lower fraud and credit risk
  • Financing as part of your workflow

Choose a standalone provider if you need:

  • Pure identity verification
  • Full UX control
  • A compliance layer on top of existing payment partners

The key is aligning compliance with how you want money to move, not treating KYC as an isolated step.

FAQs

1. What does KYC/KYB mean in a B2B marketplace?

KYC verifies the identity of individuals; KYB verifies the legitimacy of businesses. Marketplaces use both to prevent fraud, meet AML obligations, and ensure that buyers and suppliers are trustworthy before transacting.

2. Why should KYC/KYB be embedded into the payment flow?

KYC/KYB should be completed at onboarding, not at the point of payment. You don’t want suppliers doing work only to discover later that they can’t be paid for compliance reasons.

Ideally, suppliers are verified once when they register, and that verification carries across all transactions. The link to payments is fraud prevention: verified identity data ensures the person receiving funds is the legitimate supplier, not someone impersonating them.

3. Do all white-label payment providers include KYB for suppliers?

No. Many PSPs focus primarily on buyer onboarding. Platforms like Aria, Banqeta, and SDK.finance include KYB for suppliers, while providers like ComplyCube specialise solely in verification without touching payments.

4. Can marketplaces use separate vendors for KYC and payments?

Yes. Using a standalone compliance provider (e.g. ComplyCube) works well when you want full UX control or already have payment infrastructure in place. It requires more coordination between vendors.

5. What factors should marketplaces consider when selecting a KYC/KYB provider?

Important considerations include:

  • Whether the provider also handles payments or financing
  • Global coverage and document support
  • Automation vs manual review capacity
  • Risk modelling and decisioning capabilities
  • Integration complexity and API flexibility
  • Cost structure and verification volumes\

 

Sources:

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