Qombo provides a pan‑European API that verifies IBAN ownership and assesses account risk in real time, including checks on account age, transaction velocity, and inclusion on fraud lists. The platform also offers direct access to the Banque de France’s fraud database and can be deployed as a cloud SaaS or on‑premise solution, helping banks, PSPs, and fintechs meet Instant Payments Regulation and anti‑fraud compliance requirements.
Funding
Funding not disclosed
Founders
Product
Problem
Payment fraud is increasing as instant payments become the norm, but banks and fintechs lack real‑time tools to verify payee identities and to access up‑to‑date lists of fraudulent accounts, making compliance with the Instant Payments Regulation and French anti‑fraud rules difficult.
Solution
Qombo offers a unified platform that provides real‑time verification of bank account holders across Europe through a single REST API, ensuring compliance with the Instant Payments Regulation. The service validates IBAN ownership, checks account holder names for both individuals and legal entities, and evaluates IBAN age, velocity, and presence on known fraudulent lists. In addition, Qombo Sharing connects to the Banque de France’s centralized fraud database (FNC‑RF) to retrieve and share suspicious IBANs, supporting French and EU anti‑fraud requirements. The platform can be deployed in the cloud or on‑premise, with 24/7 availability, ISO 27001 and SOC 2 certified hosting, and GDPR‑compliant data handling. Clients receive enriched verification data and can integrate the service quickly using comprehensive technical documentation.
Target Audience
Primary customers are banks, payment service providers, and fintech companies that need to meet Instant Payments Regulation and French anti‑fraud compliance while preventing fraudulent transfers.
Features
- Single API for pan‑European IBAN ownership verification, covering individuals and legal entities
- Real‑time checks of IBAN age, transaction velocity, and inclusion on fraudulent IBAN lists (MISP)
- Direct access to Banque de France’s FNC‑RF database for up‑to‑date fraudster account information
- Flexible deployment options: cloud SaaS or on‑premise hosting with ISO 27001/SOC 2 certification
- High availability (24/7/365) and GDPR‑compliant data processing
- Batch and single query modes with easy integration via REST endpoints and detailed documentation
- Transparent pricing with no hidden fees and optional managed hosting services