Entrust Sub-processors (Identity Verification Services)

Affirm · agreement dated August 13, 2026 · Official agreement

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28 of 46 cards in Use & Processing

Use & Processing · Company practice

Applicant Form uses Twilio for email reminders

Twilio Inc. is listed at US location for email reminders under the Applicant Form product. The row follows the SDK row; the 'All Entrust Identity Verification Services' rows come after it.

Details not recorded for this card

Supporting quotations

Applicant Form Twilio Inc. US Email reminders

Use & Processing · Company practice

Datadog monitors applications for All Entrust Identity Verification Services

Datadog Inc is listed at US location for real-time application performance monitoring for 'All Entrust Identity Verification Services'.

Details not recorded for this card

Supporting quotations

Datadog Inc US Real-time application performance monitoring

Use & Processing · Company practice

All Entrust Identity Verification Services use support providers in India and Vietnam/Bulgaria

For 'All Entrust Identity Verification Services', Concentrix (access from India, Vietnam and/or Bulgaria), WNS (access from India) and Mas Callnet (access from India) are listed for customer support and quality assurance, with data stored in the customer's choice of AWS servers as described above. These rows are not marked '[Optional]'.

Details not recorded for this card

Supporting quotations

Concentrix CX UK Limited Data is stored in Customer’s choice of AWS servers (see above) but accessed from India, Vietnam, and/or Bulgaria Customer support and quality assurance
WNS Global Services (UK) Limited Data is stored in Customer’s choice of AWS servers (see above) but accessed from India Customer support and quality assurance
Mas Callnet India Pvt. Ltd. Data is stored in Customer’s choice of AWS servers (see above) but accessed from India Customer support and quality assurance

Qualifications & exceptions

  • The Location column distinguishes storage in the customer's choice of AWS servers from access from the listed countries.
  • These customer-support rows do not print the '[Optional]' marker used on the product-level human-review rows.

Not stated here

  • The page does not define what '[Optional]' means or whether its absence here has any effect.

Cross-references

Use & Processing · Company practice

QES/Qseal uses ZealiD for qualified electronic signatures

Under the product 'Qualified Electronic Signatures (QES)/Qseal', ZealiD AB is listed at EU location for qualified electronic signatures.

Details not recorded for this card

Supporting quotations

Qualified Electronic Signatures (QES)/Qseal ZealiD AB EU Qualified electronic signatures

Qualifications & exceptions

  • These rows concern an Entrust product family other than the assigned Entrust Identity Verification Services document; the page does not state that Affirm uses these products.

Use & Processing · Company practice

Namirial is also listed for qualified signatures and seal certificates

In the same QES/Qseal section, Namirial SpA is listed at EU location. The row's Purpose of Processing column has two lines: it issues a qualified electronic signature, and it issues a qualified seal certificate/seals document.

Details not recorded for this card

Supporting quotations

Namirial SpA EU
Issues qualified electronic signature
Issues qualified seal certificate/seals document

Qualifications & exceptions

  • These rows concern an Entrust product family other than the assigned Entrust Identity Verification Services document; the page does not state that Affirm uses these products.
  • The two purpose lines share table row 99 with the Namirial sub-processor and EU location cells.
  • The row leaves the Product column empty, so its product label is the QES/Qseal label above it.

Not stated here

  • The page does not identify which entity issues the seal certificate as opposed to the signature.

Use & Processing · Company practice

NFC uses Inverid for identification services

Under the NFC product, Inverid B.V. is listed at EU/UK location for identification services.

Details not recorded for this card

Supporting quotations

NFC Inverid B.V. EU/UK Identification services

Qualifications & exceptions

  • These rows concern an Entrust product family other than the assigned Entrust Identity Verification Services document; the page does not state that Affirm uses these products.

Use & Processing · Company practice

Passport/Selfie Check uses Mitek for identification services

Under the Passport/Selfie Check product, Mitek Systems B.V. is listed at EU/US location for identification services.

Details not recorded for this card

Supporting quotations

Passport/Selfie Check Mitek Systems B.V. EU/US Identification services

Qualifications & exceptions

  • These rows concern an Entrust product family other than the assigned Entrust Identity Verification Services document; the page does not state that Affirm uses these products.

Use & Processing · Company practice

TrustID is listed for optional Amberhill fraud detection

TrustID Ltd, listed at UK location, appears in the Document Check group for 'Amberhill fraud detection.' The row marks the purpose '[Optional]'.

Details not recorded for this card

Supporting quotations

TrustID Ltd UK Amberhill fraud detection. [Optional]

Qualifications & exceptions

  • The row prints '[Optional]' after the purpose.

Not stated here

  • The page does not define what '[Optional]' means here, for example whether the customer elects the check or it applies only to some Document Check configurations.

Use & Processing · Company practice

Document Check human reviewers access data from India and Vietnam/Bulgaria

In four rows beneath the Document Check product label, Mas Callnet and Teleperformance are listed with data stored in the customer's choice of AWS servers but accessed from India; Concentrix with access from India, Vietnam and/or Bulgaria; and WNS with access from India. Each row states human review as the purpose and prints '[Optional]'.

Details not recorded for this card

Supporting quotations

Mas Callnet India Pvt. Ltd. Data is stored in Customer’s choice of AWS servers (see below) but accessed from India Human review. [Optional]
Teleperformance Global Services Private Limited Data is stored in Customer’s choice of AWS servers (see below) but accessed from India Human review. [Optional]
Concentrix CX UK Limited Data is stored in Customer’s choice of AWS servers (see below) but accessed from India, Vietnam, and/or Bulgaria Human review. [Optional]
WNS Global Services (UK) Limited Data is stored in Customer’s choice of AWS servers (see below) but accessed from India Human review. [Optional]

Qualifications & exceptions

  • The Location column distinguishes storage in the customer's choice of AWS servers from access from the listed countries.
  • Each of these four rows prints '[Optional]'.
  • The rows say '(see below)' for the AWS storage choice; that later storage row is not quoted in this card.

Not stated here

  • The page does not define '[Optional]' or list the AWS regions the customer may choose.

Cross-references

Use & Processing · Company practice

Amazon Location Service verifies addresses in the Document Check group

Amazon Location Service is listed with data stored in the customer's choice of AWS servers for address verification. The row leaves the Product column empty, so its product label is the Document Check label above it.

Details not recorded for this card

Supporting quotations

Amazon Location Service Data is stored in Customer’s choice of AWS servers Address verification

Qualifications & exceptions

  • The row names no product in the Product column.

Use & Processing · Company practice

Facial Similarity Check human reviewers access data from India and Vietnam/Bulgaria

For Facial Similarity Check, Concentrix (accessed from India, Vietnam and/or Bulgaria), Mas Callnet (accessed from India) and WNS (accessed from India) are listed for human review, with data stored in the customer's choice of AWS servers. Each row prints '[Optional]'.

Details not recorded for this card

Supporting quotations

Facial Similarity Check Concentrix CX UK Limited Data is stored in Customer’s choice of AWS servers (see below) but accessed from India, Vietnam, and/or Bulgaria Human review. [Optional]
Mas Callnet India Pvt. Ltd. Data is stored in Customer’s choice of AWS servers (see below) but accessed from India Human review. [Optional]
WNS Global Services (UK) Limited Data is stored in Customer’s choice of AWS servers (see below) but accessed from India Human review. [Optional]

Qualifications & exceptions

  • The Location column distinguishes storage in the customer's choice of AWS servers from access from the listed countries.
  • Each of these three rows prints '[Optional]'.

Not stated here

  • The page does not define '[Optional]' or list the AWS regions the customer may choose.

Cross-references

Use & Processing · Company practice

Microsoft converts speech to text for optional Facial Similarity Check - Video

Microsoft Ireland Operations Limited is listed for 'Converts speech to text.' The row says West Europe, East US and Canada-Central Microsoft regions are used depending on which AWS servers store the data, and marks the service '[Optional and only relevant to Facial Similarity Check - Video]'.

Details not recorded for this card

Supporting quotations

Microsoft Ireland Operations Limited West Europe, East US, and Canada-Central Microsoft regions are used depending on which AWS servers are used for data storage (see below) Converts speech to text. [Optional and only relevant to Facial Similarity Check - Video]

Qualifications & exceptions

  • The optional marker limits the service to Facial Similarity Check - Video.
  • The region used depends on the AWS servers chosen for data storage.

Use & Processing · Company practice

Mastercard Identity provides an identity validation recommendation

Mastercard is listed at US/UK/EU locations for an identity validation recommendation in the Mastercard Identity product row.

Details not recorded for this card

Supporting quotations

Mastercard Identity Mastercard US/UK/EU Identity validation recommendation

Use & Processing · Company practice

Watchlist Standard and AML checks use Comply Advantage and Moody's

For the product row 'Watchlist Check – Standard / AML', Comply Advantage (EU/UK) and Moody's Corporation (UK) are listed for sanctions checks.

Details not recorded for this card

Supporting quotations

Watchlist Check – Standard / AML Comply Advantage EU/UK Sanctions check
Moody’s Corporation UK Sanctions check

Use & Processing · Company practice

Ongoing watchlist checks are beta-only and use Comply Advantage

The product row 'Watchlist Check – Watchlist Standard Ongoing, Watchlist AML Ongoing' lists Comply Advantage (EU/UK) for sanctions checks. The product name states that these ongoing checks are 'available in Beta only'.

Details not recorded for this card

Supporting quotations

Watchlist Check – Watchlist Standard Ongoing, Watchlist AML Ongoing (available in Beta only) Comply Advantage EU/UK Sanctions check

Qualifications & exceptions

  • The beta limitation is part of the product name in the Product column; it is not a footnote or a separate term.

Not stated here

  • The page does not explain what beta status changes about availability, support or data handling.

Use & Processing · Company practice

Street Level Verification Check uses Stannp for address confirmation

Stannp Ltd is listed at EU location for address confirmation under the Street Level Verification Check product.

Details not recorded for this card

Supporting quotations

Street Level Verification Check Stannp Ltd EU Address confirmation

Use & Processing · Company practice

UK Address Picker uses Equifax for address lookup

Equifax Limited is listed at UK location for address lookup under the UK Address Picker product.

Details not recorded for this card

Supporting quotations

UK Address Picker Equifax Limited UK Address lookup

Use & Processing · Company practice

Proof of Address Check uses human review and Melissa address validation

For Proof of Address Check, Concentrix (accessed from India, Vietnam and/or Bulgaria) and Mas Callnet (accessed from India) are listed for human review with data stored in the customer's choice of AWS servers, and Melissa Data Ltd. (Canada/EU/UK/US) is listed for an address autocompletion and validation service.

Details not recorded for this card

Supporting quotations

Proof of Address Check Concentrix CX UK Limited Data is stored in Customer’s choice of AWS servers (see below) but accessed from India, Vietnam, and/or Bulgaria Human review
Mas Callnet India Pvt., Ltd. Data is stored in Customer’s choice of AWS servers (see below) but accessed from India Human review
Melissa Data Ltd. Canada/EU/UK/US Address autocompletion and validation service

Qualifications & exceptions

  • The Proof of Address Check human-review rows do not repeat the '[Optional]' marker printed on the earlier human-review rows.

Not stated here

  • The page does not explain whether the missing '[Optional]' marker changes the service's optional status.

Use & Processing · Company practice

AAMVA Check uses Trusona for database search

Trusona Inc. is listed at US location for database search under the AAMVA Check product.

Details not recorded for this card

Supporting quotations

AAMVA Check Trusona Inc. US Database search

Use & Processing · Company practice

India Tax ID check uses Digiotech Solutions

Digiotech Solutions Private Limited is listed at India location for database search under the India Tax ID product.

Details not recorded for this card

Supporting quotations

India Tax ID Digiotech Solutions Private Limited India Database search

Use & Processing · Company practice

RENAPO/SAT database queries use LSEG

London Stock Exchange Group (LSEG) is listed at EU/UK/US/LATAM/India locations for database search under the product 'Query Country Databases – RENAPO / SAT'.

Details not recorded for this card

Supporting quotations

Query Country Databases – RENAPO / SAT London Stock Exchange Group (LSEG) EU/UK/US/LATAM/India Database search

Use & Processing · Company practice

INE database queries use FIMPE for secure matching

FIMPE is listed at LATAM location for 'Secure transmission and authoritative matching' under the Query INE Database product.

Details not recorded for this card

Supporting quotations

Query INE Database FIMPE LATAM Secure transmission and authoritative matching

Use & Processing · Company practice

Device Intelligence - Standard uses AWS and Fingerprint

For Device Intelligence - Standard, Amazon Web Services is listed with data stored in the customer's choice of AWS servers for IP address lookup, and Fingerprint is listed at EU location for device intelligence signals.

Details not recorded for this card

Supporting quotations

Device Intelligence - Standard Amazon Web Services (AWS) Data is stored in Customer’s choice of AWS servers (see below) IP address lookup
Fingerprint EU Device intelligence signals

Use & Processing · Company practice

ETSI Certified IDV Package uses Namirial for a sealed evidence file

Namirial SpA is listed at EU location for 'Provision of sealed evidence file' under the ETSI Certified IDV Package product.

Details not recorded for this card

Supporting quotations

ETSI Certified IDV Package Namirial SpA EU Provision of sealed evidence file

Use & Processing · Company practice

Qualified Electronic Signature Package uses Namirial

Namirial SpA is listed at EU location for issuance of a qualified electronic certificate and provision of a sealed evidence file under the Qualified Electronic Signature Package product.

Details not recorded for this card

Supporting quotations

Qualified Electronic Signature Package Namirial SpA EU Issuance of qualified electronic certificate Provision of sealed evidence file

Use & Processing · Company practice

One-Time Password uses Twilio for phone number confirmation

Twilio Inc. is listed at US location for 'Phone number confirmation.' under the One-Time Password product.

Details not recorded for this card

Supporting quotations

One-Time Password Twilio Inc. US Phone number confirmation.

Use & Processing · Company practice

SDK uses Twilio as an optional SMS authenticator

Twilio Inc. is listed at US location for 'SMS authenticator.' under the Software Development Kit (SDK) product; the row prints '[Optional]'.

Details not recorded for this card

Supporting quotations

Software Development Kit (SDK) Twilio Inc. US SMS authenticator. [Optional]

Qualifications & exceptions

  • The row prints '[Optional]'.

Not stated here

  • The page does not define what '[Optional]' means for this row.