Zero-Friction Merchant Underwriting
Automate your KYB (Know Your Business) and AML checks. Verify global Tax IDs and business registration data in real-time to onboard merchants in seconds, not days.
Manual Underwriting Kills Growth
Fintechs live or die by their onboarding speed. But strict AML laws force you to slow down.
Real-World Impact:
The "3-Day" Delay: Traditional merchant verification takes 3-5 days of manual document review. You lose customers to faster competitors like Stripe. The Compliance Minefield: Missing a sanctioned entity or verifying a "Shell Company" can lead to massive fines under the Bank Secrecy Act (BSA) or EU 6AMLD. The "B-Notice" Trap: If you onboard a merchant with a mismatched EIN/Name, your year-end 1099-K reporting will fail, triggering IRS penalties.
"Invisible" Compliance for Your Payment Flow
Integrates With: Plaid, Onfido, Stripe Identity, Sumsub
Lookuptax replaces your manual compliance team with a single API call. Verify business name, Tax ID, and registry status instantly.
Audit-Ready Global Coverage
USA (IRS & FinCEN)
EIN validation with syntax verification for CIP (Customer Identification Program) compliance
Europe (AML Directives)
Validate VAT numbers and cross-reference VIES data to ensure the business is economically active
India (RBI Guidelines)
Real-time GSTIN and PAN validation for Payment Aggregator (PA/PG) compliance
Australia (ABN)
ABN Lookup for merchant validity and business status verification
Built for Mission-Critical Underwriting
When you process payments, downtime is not an option. Our infrastructure is built for reliability.
Real-time API
Instant validation during merchant onboarding
Standardized Data
Clean, unified JSON structure from global registry data
Live Data
We query government sources directly, not stale databases
Business Details
Returns registered name, address, and status where available
Multi-jurisdictions
Verify businesses across 100+ countries from a single API
Merchant Underwriting API
Replace manual document review with instant verification. Support async webhooks for slow government registries.
// POST https://api.lookuptax.com/tax/validate
{
"taxId": "12-3456789",
"countryIso": "US"
}
// RESPONSE
{
"referenceId": "uuid-abc123",
"countryIso": "US",
"tin": "12-3456789",
"validation": {
"overall": {
"isValid": true,
"message": "Tax ID is valid"
},
"format": {
"isValid": true,
"message": "Format is correct"
}
},
"businessEntity": {
"name": "Acme Fintech Solutions Inc",
"type": "C-Corp",
"status": "Active"
}
}
Underwriting FAQs
Is this a replacement for a full KYC provider?
We specialize in the Business (KYB) layer—validating the legal entity and Tax ID. Most clients use us alongside identity verification providers (Onfido, Sumsub) for a complete compliance stack.
Do you support sole proprietors?
Yes. We can validate personal tax IDs (like SSNs in the US or UTR in the UK) where permitted by local regulations for sole trader underwriting.
How fresh is the data?
Live. We do not use stale marketing databases. We query the government source of truth at the moment of your request to ensure accuracy.
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Ready to Automate Fintech KYB & Tax ID Verification?
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