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Suby reviews every application directly. We keep a direct relationship with our merchants and walk you through the process from start to finish, so you always know where your application stands.

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How it works

1

Company or Individual

You start by telling us whether you’re applying as a Company or as an Individual. This determines whether you’ll go through KYB & KYC or KYC only verification later in the process.
2

Tell us about your business

We ask you to describe your business in detail: business type, a clear description of what you sell, your merchant category code (MCC), expected transaction volume, and your social/web presence (website, socials, or any public profile of your activity).
Be as detailed as possible. This is the information we use to understand your business, and applications with little or vague information will be rejected. A thin or generic answer here is the most common reason applications don’t move forward.
3

KYC or KYB verification

Depending on whether you applied as a Company or an Individual, you’ll be asked to submit the relevant documents:
  • Individuals complete a KYC (Know Your Customer) check, submitting proof of identity and address.
  • Companies complete a KYC and a KYB (Know Your Business) check, submitting business registration documents, proof of ownership structure, and identification for authorized representatives.
Final approval is also subject to review by our licensed PSP partners. This step usually runs in parallel with our own review.
4

Review and mode assignment

Our team reviews your full file, business information plus KYC/KYB documents, and decides whether to approve your application.If approved, we assign your account to MoR or PayFac mode based on your business type, sales volume, target markets, and risk profile. We’ll walk you through what this means for you and why, see MoR vs PayFac below.
5

You're live

Once approved and your mode is assigned, your account is activated. You can create products, generate PayLinks, and start accepting payments immediately.

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What happens after you apply

Once your business information and KYC/KYB documents are reviewed and approved, we assign your account’s mode (MoR or PayFac) and activate your Suby account.
If your business description, MCC, volume, or socials aren’t detailed enough for us to understand your business, or if a KYC/KYB document is missing or unclear, our team will reach out directly to request what’s needed. Once we have it, your application is reviewed again.
If your business was rejected, it means it falls outside our current eligibility criteria, either due to the nature of the business, the country of operation, insufficient information provided, or our PSP partner requirements.You’re welcome to reach out to our support team if you believe there’s been an error, if your situation has changed, or if you’d like to resubmit with more complete information.

Contact support

Reach out via the support page or at contact@suby.fi

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MoR or PayFac

Suby assigns your account to Merchant of Record or PayFac mode, it isn’t something you self-select when applying. Once your file is approved, our team looks at your business type, sales volume, target markets, and risk profile to determine which model fits best, and we’ll explain it to you directly before you go live.

Merchant of Record

Suby is the legal seller of record and handles tax compliance for you. Typically the better fit if you’re selling into many jurisdictions and want to avoid managing global tax registration yourself.

PayFac

You remain the seller of record and handle your own tax compliance. Typically a better fit if you already have your own tax setup, or want the lower per-transaction fee.

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Will my business be accepted?

The best way to know upfront is to check the list of supported and prohibited business types before applying. These criteria apply regardless of which mode you’re eventually assigned to.

Supported businesses

See which business categories are accepted on Suby.

Supported countries

Check if your country is covered for seller accounts.
Meeting the criteria on those pages is a strong signal, but final approval also depends on the completeness of your application and our PSP partners’ requirements, which may vary. When in doubt, apply with as much detail as possible and we’ll let you know.