eKYC (Electronic Know Your Customer)

What is eKYC, and why is it important?

eKYC (Electronic Know Your Customer) is a remote identity verification process that allows users to confirm their identity digitally—without needing to appear in person. It’s crucial for ensuring the authenticity of users in regulated industries like banking, legal, insurance, and digital signing.

Details blogpost click here.

Is eKYC legally recognized in Malaysia and other countries?

Yes. eKYC is recognized and regulated in many countries. For example:

Malaysia: Governed by Bank Negara Malaysia’s eKYC guidelines and Digital Signature Act 1997.
Singapore: Governed by the Monetary Authority of Singapore (MAS) under the Technology Risk Management Guidelines.
Philippines: Regulated under Bangko Sentral ng Pilipinas (BSP) Circular No. 1140.

⚠️ Always ensure you’re complying with the relevant local eKYC or AML/CFT frameworks for your region.

Which countries does SigningCloud’s eKYC support?

Currently, eKYC services are available for users with government-issued ID from:

Malaysia

Users with government-issued Passport:

197 countries

Other supported eKYC countries may be available upon request or via enterprise integration.

Is the eKYC feature free to use?

eKYC is not included by default in all plans. It is charged per verification

Please refer to the pricing page or contact our team for a tailored quote.

How much does eKYC credit cost?

Pricing varies based on your plan and verification volume from RM3.00 to RM3.50 per verification

How long does the eKYC verification process take?

Typically under 2 minutes for most users.
Delays may occur due to:

Poor photo quality
Incomplete documents
Manual review triggers (e.g., facial mismatch or expired ID)

What documents are accepted for eKYC?

Accepted ID types may include:

MyKad (Malaysia)
Passport

Document requirements vary by country and regulatory need.

How secure is the eKYC process?

Encrypted Data
- Your ID photo is sent over a secure HTTPS connection and encrypted before being stored. Even our internal team cannot access or read the image.
Privacy Assured
- Your information is used only for digital certificate registration with a licensed Certificate Authority (CA) — never for any other purpose.
Trusted Verification:
- We use certified eKYC providers with anti-spoofing and liveness detection to ensure your identity is verified accurately and securely.

Can eKYC be done via mobile devices?

Yes. There are two ways:

SigningCloud mobile app
- Supports MyKad and passport
- User login and verifies identity directly in the SigningCloud Mobile app.
SigningCloud Web Portal (Browser Access)
- Supports MyKad only
- User login to SigningCloud portal via web browser, scans a QR code with their phone, then completes eKYC on mobile.

What happens if a user fails eKYC?

Users can:

Retry with better photo/document conditions
Be escalated to manual review if needed
Contact customer support for assistance

The system will indicate specific failure reasons when possible (e.g., ID expired, image unclear, facial mismatch).

Is eKYC required for all SigningCloud users?

Not always. For internal workflows, testing, or low-risk use cases where legal compliance is not a strict requirement (e.g. only needing to comply with ECA 2006), eKYC may be optional — depending on your organization’s internal policy.

However, eKYC is required when a user needs a legally binding digital certificate, especially for compliance with Malaysia’s Digital Signature Act 1997 (DSA 1997).

Can businesses integrate eKYC into their onboarding flow?

Yes. We offer API-based eKYC verification. Always welcome to contact us for more detail.

How to set up eKYC in SigningCloud? (eKYC verification steps)

Here’s a quick guide to set up eKYC in SigningCloud.

Web browser flow

Log in to your SigningCloud account and go to “My Profile.”
Click the “Start eKYC” button—a QR code will appear.
Scan the QR code with your mobile phone.
Take a photo of your IC or passport.
Take a selfie to verify your identity.
Click “Complete eKYC” to submit.
Look for a green “Verified” label—you’ve passed eKYC and are ready to sign.

Video tutorial link here.

Mobile apps flow

Login to your SigningCloud mobile apps
Tap on the “Verify Account” button which located top-right of the Profile page
Click on “Verify” to continue with eKYC process,
Select the identity document type which you are holding, pick:
- MyKad if you are Malaysian
- Choose Passport if you are non-Malaysian
Capture your MyKad front and back to process identity verification. Malaysian
Check if the information is correct then tap on the “Verify” button to proceed to the next process.
Capture a selfie to prove you are the owner of MyKad
eKYC verification is done!

eKYC (Electronic Know Your Customer)

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