pbVerify API Services
The pbVerify API (Application Programming Interface) is an interactive interface to the pbVerify information System Services. This interface allows businesses and integrators to integrate and retrieve data of individuals and companies using RESTful/JSON over a secure connection.
This API service provides an efficient and fast way to verify South African ID data against Government sourced data. It does this by enabling third parties to submit a valid 13-digit South African identification number, from which it retrieves defined results.
Fingerprint/Facial Biometric Verification
This API service provides an efficient and fast way to access and display the identity photo of a South African citizen using the consumer fingerprint or face. The API retrieves their ID photo through a reverse lookup of the corresponding ID number using their two thumbprints or face.
The Address Verification API service provides an efficient and fast way to retrieve last known Credit Bureau contact data against a South African ID number. There are two categories of data that will be returned: last known address and last known mobile phone number.
ID Number Verifies Telephone Number
This API service provides an efficient and fast way to retrieve last known Credit Bureau contact data against a South African ID number. Return data is the last known mobile phone number associated with the ID number.
Facetec Proof of Life – 3D Facial Authentication
The intuitive ZoOm interface makes Certified Liveness Detection and 3D Face Matching fast, easy and incredibly secure for everyone, regardless of their device. During onboarding, ZoOm’s 2-second video-selfie verifies Liveness, matches your 3D FaceMap to your Photo ID, and sets up your new account.
World Compliance Check
The World Compliance Check is the most advanced and comprehensive client screening tool on the market. The Online Search tool product allows users to perform initial due diligence by screening potential clients, agents and business partners through the industry-leading LexisNexis® WorldCompliance database.
Instant Verify International (IVI)
Instant Verify International enables you to onboard, and transacts with clients from 30 countries/regions. The pass/fail result is quickly returned, enabling you to make well-informed decisions relating to vital business processes. Our data leverages high quality national and regional sources that include: Citizen or National Database information, Credit Header File Information, Electoral Rolls, Property Records, Utility Data and Marketing Sources.
True ID – Global Identity Document Authentication
TrueID integrates seamlessly into your existing workflows, with additional built-in verification and authentication options that can be selectively “turned on” based on the risk of a transaction to give you the maximum flexibility in your identity management processes. And with our optional fingerprint biometric solution, you can perform authenticated enrolment and connect the ID to a user’s fingerprint for easy, secure repeat access.
Consumer Credit Report (B2C)- Basic, Standard and Premium CPA and Credit Score Data
This API service provides an efficient and fast way to retrieve any adverse credit information against a South African ID number. The service retrieves a comprehensive report with adverse (judgements, listings, debt review etc.) and CPA information from credit bureau data.
Business Credit Report
This API service provides an efficient and fast way to retrieve any adverse credit information against a South African registered business. The service retrieves adverse information (such as judgements, listings, etc.) from credit bureau data on commercial companies and company directors.
Bank Account Verification
This API service provides an efficient and fast way to retrieve bank account verification information from all major banks. The API verifies the bank details of a consumer or business. Information provided: Verification details, identity information or company registration details, bank account type, bank account number, status details (active, open, closed, open for longer than three months).
CIPC Company & Director Verification
This API service provides an efficient and fast way to verify a company against CIPC (previously CIPRO) information. All registrar information on the company is retrieved from the Companies and Intellectual Property Commission (CIPC) database. The API retrieves adverse information (such as judgements, listings, etc) from credit bureau data on commercial companies and company directors.
OFAC – Office of Foreign Asset Controls
OFAC publishes lists of individuals and companies owned or controlled by or acting for or on behalf of, targeted countries. It also lists individuals, groups, and entities, such as terrorists and narcotics traffickers designated under programs that are not country-specific.
Advanced Electronic Signature (AeS) Solution
SigniFlow™ is a digital signature workflow engine that enhances and fully digitises any process that requires an electronic document to be legally signed. From basic requirements, such as getting employees to sign leave applications and their managers to approve it, to complex processes involving highly sensitive or legal documents that require both internal and external parties to sign, SigniFlow has the solution.
Bank Code Updates
Our bank account verification service allows you to efficiently verify the bank details of a consumer or business and determine the status of the account – whether the account is currently active, open or closed and whether it has been open for more than three months.
Express Credit Score
The Express Credit Score API service provides only the consumer’s credit score. The service returns a score indicating the status of the consumer’s score – i.e. Good, Fair or Bad. The service does not return a reason for the adverse information. A full report will need to be drawn for detailed information to be provided.
South African Driver’s Licence Verification
The South African Driver’s Licence API service provides a fast and efficient way to verify a South African driver’s licence. For verification, a scan of the encrypted driver’s licence barcode needs to take place, after which pbVerify’s API will decrypt the information stored in the barcode.
Affordability Assessment Service
The Affordability Assessment Service uses the consumer’s income (Gross and/or Net), calculates their Necessary Expenses (at a minimum, the minimum living expenses as required in terms of Regulations); it evaluates the consumer’s total monthly debt repayment obligations and returns the consumer’s available income (Discretionary Income) which will indicate the consumer’s ability to fund the proposed credit instalment in terms of a new credit agreement.
The Consumer Trace API service provides an efficient and fast way to retrieve last known Credit Bureau Trace data linked to a South African ID Number. There are three categories of information returned: Five last known addresses, including postal box details.
- Five last known addresses, including postal box details.
- Five Last known contact numbers, including landline and mobile numbers.
- Five last known employee details, if on file.
This API gives businesses that are required to FICA (https://www.fic.gov.za/Pages/Home.aspx) their customers the ability to digitally draw and compare identity data against government-sourced data, and the address the consumer declared to you, against data obtained by creditors that are members of SACRRA (South African Credit Reporting Association).
Global Data Consortium
Streamline your identity verification operations with our Worldview platform to unlock local, high-quality, authoritative data while complying with global KYC and AML regulations. Electronic identity verification (eIDV) uses personal information such as name, date of birth, or national ID from various data sources to quickly confirm if an individual is who they claim to be. These verification attempts can result in a match, nonmatch, or partial match.
Global ID Verification: Electronic Identity Verification for instant protection and compliance. Anti-Money Laundering and Background Checks: Domestic and international anti-money laundering and "know your customer" compliance. Document Verification: Allow customers to scan documents in seconds and verify against a DVS service. Biometric Verification: Confirm identity beyond a doubt, with Facial Recognition and Liveness technology.
The pbVerify authentication product is a fraud prevention tool that is used to identify an individual using knowledge-based questions (KBA) derived from the individual’s credit information at the bureau.