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Reliance on credit checks

An over dependence on credit bureaus to reconcile the identity of a shopper to his or her credit history can be a slow process that is prone to mistakes.

Account takeover fraud

Loyal and long term users have better rates and credit limits. Fraudsters attempt to take over these high value accounts to access the benefits associated with them.

Bad actors defaulting on payments

Some users create accounts with dubious details to make purchases with no intention of paying. This leads to high losses for players in the industry resulting in higher merchant costs.

Our Solutions

With one integration Smile Identity can help

Our Solutions

Building your Verification Flow

What can you build with Smile Identity? Here’s how our APIs come together to bring ideas to life.

  • Basic KYC

    Verify that the personal information submitted by your users matches what is stored in the ID authority database. We return a value of match, partial match, or no match.

    Learn more about Basic KYC

  • Enhanced KYC

    We query a user’s identity information at an official ID authority, using their ID number, and returns that information.

    Learn more about Enhanced KYC

  • Biometric KYC

    We match a user-submitted selfie to the photo on file in an ID authority database, so you can be sure that your users are who they say they are.

    Learn more about Biometric KYC

  • SmartSelfie™ Authentication

    We authenticate your users with our innovative facial verification technology which combines face matching, liveness and spoof checks, all with a high rate of accuracy.

    Learn more about SmartSelfie™ Authentication

  • Document Verification

    We verify the authenticity of 142 IDs across 100 countries to validate the identity of your customers.

    Learn more about Document Verification

  • Business Verification

    Directly access government business registries in Nigeria, Kenya and South Africa in real-time.

    Learn more about Business Verification

Smile Identity enables us to onboard customers more securely, mitigating fraud risks and allowing for a more confident business growth

Irshad Muttur

Irshad Muttur

Chief Operating Officer, Aspira

Find out how you can start verifying your users in under 4 seconds.

Schedule Demo