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Cybersecurity · head to head

Fenergo vs Sumsub

Fenergo logo

Fenergo

Cybersecurity

Client lifecycle management and KYC onboarding for regulated financial institutions

From
On request
Rated
-
Full reviewWebsite
Sumsub logo

Sumsub

Cybersecurity

Identity verification and AML screening priced per verification

From
$1.35/verification
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fenergo implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.; Sumsub the published per-verification rate is undercut by a monthly minimum of 149 or 299 dollars, so low volume businesses pay a much higher effective rate than the headline suggests.
  • They diverge on capability: Fenergo covers Regulatory rules library, Sumsub covers Document verification.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fenergo and Sumsub actually diverge.

Attributes where Fenergo and Sumsub differ
AttributeFenergoSumsub
Starting priceOn request$1.35/verification
Pricing modelquotePer verification
PlatformsWebWeb, iOS, Android

Identical on both: free tier (No), user rating (Not yet rated), category (Cybersecurity).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fenergo

  • Regulatory rules library
  • Digital onboarding
  • Perpetual KYC
  • Entity data model
  • Screening orchestration
  • Case management

Only in Sumsub

  • Document verification
  • AML screening
  • KYB verification
  • No-code flow builder
  • Transaction monitoring
  • Travel Rule
  • Fraud and duplicate detection

What people use each for

The jobs each tool is most often brought in to do.

Fenergo

  • A bank operating in twenty jurisdictions that cannot keep local KYC requirements current across separate regional teamsnot Sumsub
  • A custodian moving from calendar-based periodic review to event-driven perpetual KYC to cut analyst headcountnot Sumsub
  • An asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification toolsnot Sumsub
  • A payments institution facing a regulatory remediation order and needing a defensible audit trail of every client reviewnot Sumsub

Sumsub

  • A crypto exchange needing KYC plus Travel Rule handling under one contractnot Fenergo
  • A gambling operator entering several European markets and needing document coverage without a separate vendor per countrynot Fenergo
  • A fintech that wants a published price it can model in a business case before speaking to a salespersonnot Fenergo
  • A marketplace verifying both individual sellers and the companies behind them without buying two productsnot Fenergo

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fenergo

  • Implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.
  • It orchestrates screening but does not supply the sanctions, PEP or adverse media data, so you still buy Dow Jones, LexisNexis or World-Check separately and those fees are per screened entity.
  • The entry price is set for institutions with large onboarding volumes, which puts it out of reach of smaller banks and fintechs that would otherwise benefit from the rules library.
  • Configuration is deep and specific, which makes upgrades between major versions a project rather than a patch, and some customers stay on old releases for years.
  • The rules library covers regulatory requirements, not your internal risk appetite, so the policy tuning that determines whether onboarding actually gets faster remains your work.

Sumsub

  • The published per-verification rate is undercut by a monthly minimum of 149 or 299 dollars, so low volume businesses pay a much higher effective rate than the headline suggests.
  • You are billed per verification attempt in most configurations, meaning applicant drop-off and resubmissions cost money without producing a customer.
  • Pass rates and document support vary noticeably by country, and a market that works well in Europe can produce materially worse rejection rates in parts of Africa and South East Asia.
  • The AML screening tier bundles list coverage that large institutions would normally buy separately and tune, giving less control over match thresholds than a dedicated screening vendor.
  • The company originated in Russia before restructuring to a UK entity, and some financial institutions still raise that history in vendor risk review, which can slow or block procurement at conservative banks.

Pricing, plan by plan

Fenergo

On request
  • Fenergo Client Lifecycle Management$undefined/year
    • Priced by institution size, jurisdictions in scope and modules licensed
    • Regulatory rules content subscription bundled into the annual fee
    • Implementation delivered by Fenergo or a systems integrator and quoted separately

Sumsub

$1.35/verification
  • Basic$1.35/verification
    • 149 USD minimum monthly spend
    • Document verification and liveness
    • No-code flow builder
  • Compliance$1.85/verification
    • 299 USD minimum monthly spend
    • Everything in Basic
    • AML sanctions and PEP screening
  • Enterprise$undefined/year
    • Negotiated volume rate
    • Custom jurisdictions and languages
    • Dedicated support

Which should you pick?

Choose Fenergo if

  • You need regulatory rules library.
  • You also want digital onboarding.
Fenergo review

Choose Sumsub if

  • You need document verification.
  • You work on Web, iOS, Android.
  • You also want aml screening.
Sumsub review

Questions people ask

Is Fenergo or Sumsub better?
Neither clearly leads. Fenergo starts at On request and Sumsub at $1.35/verification, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fenergo or Sumsub?
Fenergo starts at On request and Sumsub at $1.35/verification.
Does Fenergo or Sumsub run on more platforms?
Fenergo runs on Web. Sumsub runs on Web, iOS, Android.
What is Fenergo best used for?
Fenergo is most often used for a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams, a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount, an asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification tools, a payments institution facing a regulatory remediation order and needing a defensible audit trail of every client review. Of those, a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams and a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount are not what Sumsub is typically brought in for.
What can Fenergo do that Sumsub cannot?
Fenergo covers Regulatory rules library, Digital onboarding, Perpetual KYC, Entity data model. Sumsub covers Document verification, AML screening, KYB verification, No-code flow builder.

Answered from the vendors’ own pages

Fenergo: Does Fenergo do the sanctions screening itself?

No. It orchestrates calls to third-party data providers such as Dow Jones and World-Check, and those subscriptions are additional and usually charged per screened entity.

Sumsub: What does a verification actually cost?

1.35 USD on Basic and 1.85 USD on Compliance, but with 149 and 299 USD monthly minimums respectively. Below roughly 110 or 160 checks a month you are paying the minimum, not the rate.

Fenergo: Is it SaaS or on-premises?

Both. The SaaS offering runs on Microsoft Azure with regional deployment options, which matters where data residency rules prohibit client data leaving the jurisdiction.

Sumsub: Do failed verifications get charged?

Attempts are generally billable, so a poor onboarding funnel raises your bill. Confirm the exact resubmission policy in your contract.

Fenergo: How long does a deployment take?

Plan for a year at minimum for a multi-jurisdiction rollout. Single-jurisdiction deployments with a narrow product set can be shorter but rarely under six months.

Sumsub: Does it cover business verification?

Yes, KYB with company registry lookups and beneficial owner resolution is part of the platform rather than a separate product.

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