Identity Verification
Protect your business and customers with BudPay's identity verification APIs. Instantly validate bank accounts and verify customer identities to reduce fraud, ensure payment accuracy, and meet compliance requirements.
Verification Services
Account Number Verification
Confirm bank account ownership instantly before sending money. Get the account holder's name in real-time to prevent failed transfers and misdirected payments.
Perfect for:
- Pre-transfer validation
- Reducing payment disputes
- Ensuring funds reach the right person
- Building customer confidence
Endpoint: POST /api/v2/account_name_verify
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.
How It Works
Account Verification Flow
- Submit Details — Send bank code and account number
- Bank Verification — BudPay verifies the account in real-time
- Get Account Name — Receive the account holder's name instantly
- Confirm & Proceed — Display the name for user confirmation
BVN Verification Flow
- Submit Request — Send BVN and optional matching fields
- Queue Processing — Request enters verification queue
- Identity Check — BVN verified against national database
- Detail Matching — Optional fields matched against records
- Receive Results — Verification results sent to your webhook
Best Practices
Always perform verification requests from your secure backend server — never from client-side code.
Security Recommendations
- Server-Side Only — Keep API calls on your backend
- HTTPS Required — Use secure connections for all requests
- Encrypt Sensitive Data — Protect stored verification data
- Limit Access — Restrict who can trigger verifications
- Maintain Audit Logs — Track all verification activity
- Respect Privacy — Comply with data protection regulations
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
Related Resources
- Bank List — Get supported bank codes
- Single Transfer — Send payouts after verification
- Transaction Verification — Confirm payment status
- Authentication — Set up API authentication