Top 5 ID Verification API Providers for Seamless Onboarding

With the rise of identity theft and cyber fraud, businesses in countless industries need to verify their customers’ identities. However, putting users through arduous manual document checks can undermine the onboarding process and create needless friction. This is why identity verification APIs are the answer.

These APIs facilitate automated digital identity proofing through biometric matching and document validation to streamline companies to verify their users online while ensuring they maintain the necessary compliance. With the right partner, identity verification doesn’t have to be a chore, and security doesn’t have to come at the expense of convenience.

To further bolster security while maintaining user convenience, many companies are now integrating adaptive authentication into their identity verification strategies. This approach dynamically adjusts the required authentication processes based on the risk profile of the user’s activities. By using adaptive authentication, businesses can minimize friction for low-risk actions while applying stricter verification for higher-risk situations. This intelligent layering of security ensures that customer verification is not only thorough but also user-friendly, allowing businesses to protect sensitive data without compromising the user experience. When considering the expenses associated with identity verification, it’s helpful to know how much does ordering an ID card cost.

This article will show you the top five identity verification APIs available today. It will explain how they are already transforming how businesses and customers experience seamless, digital onboarding workflows.

1. ID.me

One of the most prominent identity verification platforms, ID.me, has over 70 million users. Its complete ID verification API suite offers facial matching, document validation, and identity proofing via selfie biometrics. Users may securely verify or prove their identity anytime, anywhere in seconds, using government-issued IDs and a smartphone, laptop, or tablet.

ID.me identity verifies over 1,500 documents from 200 countries. Its document validation API determines authenticity by comparing security features found on IDs. These security features include signature, embedded print, date of birth, issuing jurisdiction, and more. The ID holder then takes a high-quality selfie and uses their camera to instantly match it to their photo on the ID using facial recognition software.

Liveness check discourages automatic impersonation. Your customers can also respond to knowledge-based questions via ID. Me’s API, identity proofing, and user response to prove that you are who you say you are. Your credit report or direct knowledge includes your home address or phone number. It is almost impossible to make fabricated information appear real with the verification method used.

ID. me has a developer sandbox offer and well-detailed documentation. Pricing depends on the volume and can start from $1 per verified transaction. The platform is well-suited for businesses that must be fully secure and compliant with identity verification regulations.

2. Jumio

Some of the Jumio identity verification APIs are image capture, document validation, and facial biometrics. It supports over 2,000 government-issued ID types from nearly 200 countries and territories in more than 30 languages. The Jumio API capabilities are liveness detection, layout analysis to recognize data on IDs, signature detection, photo matching, and behavioral analytics to prevent fraud.

The check on-through-mobile, for example, could be done via images only, unlike a selfie through a front-facing camera. Document scanning on-through-mobile would reduce the friction for those who cannot scan their ID.

3. Trulioo

Trulioo leads the field in digital ID verification to ensure more than 30,000 entities fight fraud and regulatory enforcement. Its Verified platform, an integrated digital process, offers identity verification and regulatory implementation. They apply selfie facial biometrics matching and certification verification. A user scans their ID through the government and scans it out of purview. They can receive public information in 190 countries, amounting to billions of identities, to complete further background checks.

Trulioo’s identity authentication APIs are ancillary in REST. They include authentication of identification documents, attribute matching on the user end, and risk evaluation. The last one is required to decide how much confirmation is needed. The REST APIs are client-dependent, with quotes available for larger volumes. They regularly update confirming IDs, onboarding procedures, and other things with potential input integrations.

Trulioo is ideal for regulated industries like finance, telcos, and crypto that require stringent identity verification and risk assessments during customer onboarding and transactions. Its verification levels are flexible based on business needs.

4. GB Group

Identity data and biometric solutions expert GB Group offers identity verification through Vision, its powerful platform. Identity verification can be performed for users via live video, photos, or scanned IDs and documents anywhere and on a device. GB Group compares its users’ selfies to pictures on their government IDs at the highest level and verifies liveness with sweeps of their eyes and face movements. Additionally, they license documents by scrutinizing names, dates, and security features. GB Group can also verify other identity proofs such as addresses and bank accounts. GB Group also has a developer portal with REST APIs, SDKs, sample code, and support.

GB Group has a simple pricing model; they charge $0. 20-$0. 30 per check. However, they best serve regulated markets such as the ones that crypto exchanges, iGaming, lending, and payroll pose. Enterprise-grade security, scalability, and custom integrations make GB Group ideal for high-volume use cases.

5. Onfido

Onfido provides digital ID verification and biometric authentication through a selfie video. Due to technology, the firm entirely depends on end-users’ ID scanning or photo-taking proficiency on their devices. The user uses a smartphone or computer camera for a brief video while in the onboarding flow. Onfido also conducts multiple biometric security checks on the applicant. Such checks involve face matching, liveness detection to prevent spoofing, and live-matching end-users through their government ID pictures.

Therefore, there are more than 3,000 ID document types in 195 countries. The company provides its products with SDKs for mobile and web platforms and REST APIs. Validated portrait verification charges should be $1 per applicant validated using the volume discount feature. Furthermore, Onfido frequently updates its software to meet NIST standards.

Frictionless ID verification by Onfido is suitable for companies looking for an all-in-one ID-proofing product on every device that does not extend the functionality requirement. Support and precision are superb, always.

Conclusion

Choosing the right ID verification API partner can help streamline your identity verification process and boost user conversions during onboarding. The top providers offered sophisticated biometric matching, document validation, and risk assessment capabilities suitable for various use cases and regulatory environments.

Be sure to evaluate features, integrations, pricing structures, and the level of assurance required to determine the best fit for your unique compliance and user experience goals. Implementing an identity verification API is crucial to proactively tackling identity fraud while providing users a convenient onboarding journey on any device.