Identity Verification
Overview

Identity Verification

BudPay's identity verification APIs let you confirm bank account ownership and verify customer identities. Use them to reduce fraud, prevent misdirected transfers, and support your KYC obligations.

Verification Services

Account Number Verification

Confirm who owns a bank account before you send money. The API returns the account holder's name, so you can prevent failed transfers and misdirected payments.

Use it for:

  • Pre-transfer validation
  • Reducing payment disputes
  • Ensuring funds reach the right person
  • Building customer confidence

Endpoint: POST /api/v2/account_name_verify

Explore Account Verification →

BVN Verification

Verify customer identity against Nigeria's Bank Verification Number database. Match personal details including name, date of birth, phone number, and gender.

Use it for:

  • KYC compliance
  • Customer onboarding
  • Fraud prevention
  • Identity authentication

Endpoint: POST /api/v2/bvn/verify

Explore BVN Verification →

Why Verify Identities?

Stop Fraud Before It Happens

Catch suspicious activity early by verifying customer identities before processing high-value transactions.

Stay Compliant

Meet KYC (Know Your Customer) and AML (Anti-Money Laundering) regulatory requirements with confidence.

Eliminate Payment Errors

Verify recipient details before transfers to avoid failed payments and costly reversals.

Build Customer Trust

Demonstrate your commitment to security and give customers peace of mind.

How It Works

Account Verification Flow
  1. Submit Details — Send bank code and account number
  2. Bank Verification — BudPay verifies the account in real-time
  3. Get Account Name — Receive the account holder's name
  4. Confirm & Proceed — Display the name for user confirmation
BVN Verification Flow
  1. Submit Request — Send BVN and optional matching fields
  2. Queue Processing — Request enters verification queue
  3. Identity Check — BVN verified against national database
  4. Detail Matching — Optional fields matched against records
  5. Receive Results — Verification results sent to your webhook

Best Practices

Always perform verification requests from your secure backend server — never from client-side code.

Implementation Tips
  • Verify Before Paying — Always check accounts before transfers
  • Confirm with Users — Display verified names for confirmation
  • Handle Errors Gracefully — Prepare for edge cases
  • Cache Smart — Store verified accounts to reduce API calls
  • Secure Webhooks — Validate callback authenticity

Compliance & Data Protection

All verification requests comply with:

  • Nigerian Data Protection Regulation (NDPR)
  • General Data Protection Regulation (GDPR)
  • Industry-standard security practices

Get Started

Verify Account Numbers

Start validating bank accounts before processing payments.

Get Started →

Verify BVN

Implement identity verification for KYC compliance.

Get Started →

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