Complete guide to ID verification: services, apps, and APIs

In this age of digital transactions and online interactions, the importance of best identity verification cannot be overstated. From financial services to e-commerce platforms, businesses and individuals alike seek reliable solutions to confirm identities securely. This comprehensive guide explores a spectrum of ID verification methods, ranging from cutting-edge apps and APIs to specialized services. 

What is ID verification?

ID verification constitutes the essential procedure of confirming an individual’s identity, playing a pivotal role in customer onboarding across diverse sectors such as finance, travel, mobility, and online marketplaces. This guide seeks to offer a thorough exploration of ID verification, with a specific emphasis on the seamless and secure solutions provided by services, apps, and APIs in this domain.

ID verification as a service

ID verification as a service is a cloud-oriented solution enabling businesses to seamlessly incorporate identity verification into their current systems. Typically offered by specialized companies in ID verification, this service encompasses features such as document validation, biometric analysis, and data verification.

Benefits of using ID verification as a service

  • Scalability: The capacity to swiftly adapt to fluctuating demand surpasses the scalability of internal teams.
  • Cost-effectiveness: Leveraging AI capabilities, ID verification as a service generally offers more economical checks compared to manual teams.
  • Regulatory Compliance: Companies providing ID verification as a service should pursue certifications ensuring adherence to diverse regulations. For instance, Onfido holds ETSI TS 119 461 certification.

ID verification API

Utilizing either in-house development or pre-built SDKs, businesses must establish a connection to an ID verification API for seamless integration and effective processing of identity verification outcomes. Onfido’s API adheres to REST principles, employing HTTP response codes and verbs, along with token-based authentication, to empower businesses with the necessary tools for automating intricate logic. Onfido’s API facilitates tasks such as generating SDK tokens, initiating identity verification checks for applicants, managing Onfido Studio workflow runs, and more.

How to choose the right ID verification API

Selecting the appropriate ID verification API for your business is a pivotal decision that can have a substantial impact on your operational efficiency. Various factors, such as reliability, speed, and security features, should be carefully considered. In the following sections, we explore each of these aspects to assist you in making a well-informed decision.

Reliability

Reliability is of utmost importance in the world of ID verification. Every moment without access to and utilization of verification results represents potential customer loss. Therefore, an essential criterion for an API is consistent availability and dependable, accurate performance. Key considerations include:

  • Does the API boast high uptime, ensuring accessibility when needed?
  • Are there backup systems in place to guarantee uninterrupted service?
  • What is the error rate, and how effectively does the API manage errors?

Opting for APIs with a minimum 99.9% uptime and robust error-handling mechanisms is recommended. Gathering insights from reviews, seeking recommendations, and consulting dedicated status pages, such as Onfido’s, can offer additional assurance regarding the API’s reliability.

Speed

Efficiency is paramount, particularly for businesses necessitating instant verification. Sluggish verification procedures may result in user dissatisfaction and abandoned transactions. When evaluating options:

  • Assess the API’s average response time.
  • Confirm if the API supports batch processing for handling verifications in bulk.
  • Determine any existing rate limits and ensure they align with your business requirements.

Opt for an API that provides swift responses with minimal latency and possesses the capability to manage the anticipated volume of verifications. For global operations, verify if the API incorporates multiple data centers to guarantee rapid response times on a worldwide scale.

Security features

Maintaining the utmost security is paramount, particularly when dealing with sensitive personal data. Consider the following criteria:

  • Confirm whether the API employs robust encryption methods for secure data transmission.
  • Assess whether the provider conducts thorough security testing both internally and externally through bug bounty programs.
  • Verify the API provider’s compliance with pertinent regulations, such as GDPR or CCPA.

Select an API that adheres to industry-standard encryption protocols and provides secure authentication methods like API keys or OAuth. Compliance with data protection regulations is imperative to mitigate potential legal complications. For instance, Onfido stands out for being ISO 27001 and SOC 2 Type 2 compliant.

By meticulously considering these factors, you can opt for an ID verification API that not only meets your business requirements but also ensures a service that is secure, expeditious, and dependable.

ID verification app

The popularity of mobile apps for ID verification is on the rise, thanks to their convenient nature, user-friendly interfaces, and the capability to conduct checks while on the move. Notable examples include Onfido’s Smart Capture, leveraging the smartphone’s camera and built-in features to scan documents, collect biometric data, and deliver instantaneous results. In the following section, we delve into key features found in ID verification apps and elucidate their significance.

Document scanning

Document scanning stands out as a fundamental feature in ID verification apps, enabling users to capture images of identification documents such as passports, driver’s licenses, and social security cards. Consider the following aspects:

  • Evaluate whether the app incorporates auto-capture capabilities for consistently high-quality scans.
  • Check its ability to recognize and extract information from diverse document types.
  • Assess the speed and simplicity of the scanning process.

Opt for apps equipped with intelligent document recognition that can automatically capture documents when in focus. This guarantees clear and legible scans, essential for precise verification processes.

Biometric capture

Biometric capture, specifically face recognition, enhances security by validating the user’s identity through a comparison with the photo on their identification document. This biometric verification serves as a valuable measure to confirm the legitimate owner of the presented ID. Consider the following factors when evaluating an app’s biometric capture capabilities:

  • Assess whether the app incorporates liveness detection to thwart spoofing attempts.
  • Evaluate the accuracy of the face matching algorithm employed by the app.
  • Consider the speed and non-intrusiveness of the biometric capture process for the user.

Opt for an app that features advanced liveness detection, such as prompting users to blink or turn their heads, ensuring that the facial scan corresponds to that of a live person. The face matching algorithm should demonstrate high accuracy to minimize the risk of false positives or negatives in the verification process.

Fast Result

The capability to deliver real-time results is a notable advantage, particularly for businesses requiring swift verification. Consider the following factors:

  • How promptly does the application furnish verification outcomes?
  • Does it present a concise summary of the performed verification checks?
  • Can the results seamlessly integrate with your current systems?

An optimal ID verification application should swiftly furnish comprehensive results, including a summary of conducted checks and their respective outcomes. For business use, ensure compatibility for seamless integration with existing systems, enhancing the overall user experience.

By prioritizing these essential features, you can select an ID verification application that not only aligns with your requirements but also delivers a secure, expeditious, and user-friendly experience.

Choosing the right ID verification service

Selecting the appropriate ID verification service can be challenging given the crowded market with numerous companies providing a spectrum of solutions, including APIs, applications, and cloud-based services. While the fundamental purpose of these services is identity verification, what distinguishes these companies are the distinct features they offer. In the following discussion, we explore key features that set certain companies apart in the competitive field of ID verification.

Global support

An essential feature to consider is the capability to accommodate various types of identification documents worldwide, enabling the smooth expansion of your business.

  • Does the company provide comprehensive document support?
  • Can it effectively handle documents in multiple languages?

Service providers offering support for multiple documents are typically more adaptable, catering to a broader audience. This versatility makes them particularly suitable for businesses with a global presence.

Advanced biometric analysis

Biometric verification is increasingly recognized as a pivotal element in identity verification, encompassing facial recognition, fingerprint scanning, and at times, iris scanning.

Does the company provide advanced biometric features?

How secure and accurate are the employed biometric methods?

Companies offering robust biometric analysis are generally acknowledged for their enhanced security measures and their effectiveness in preventing fraud. Onfido Motion, for instance, introduces a next-generation biometric liveness solution that ensures seamless, secure, and inclusive customer verification. Through a straightforward head-turn capture, businesses can automate customer onboarding, efficiently assess more customers, and significantly reduce their exposure to fraud.

Certifications

Certifications that authorize the ID verification provider to operate and gain acceptance from regulators hold significance, especially in regulated industries such as financial services, transportation, and gambling. When selecting a vendor, it is crucial to evaluate:

  • Does the company conform to international compliance standards?
  • Do they provide features that assist your business in maintaining compliance?

User experience

The simplicity with which end-users navigate the verification process is a crucial consideration. A complex or time-consuming procedure can discourage users.

  • Is the user interface intuitive?
  • Does the company provide a smooth verification experience across various platforms?

Prioritizing user experience frequently results in increased conversion rates and heightened customer satisfaction.

Scalability

As your business expands, the requirements for ID verification will naturally increase. The capability to scale is a fundamental feature.

Can the service effectively manage a growing volume of verifications?

Is integrating additional features or services a straightforward process?

Companies providing scalable solutions can seamlessly adjust to your expanding needs, delivering enduring value. By taking these key features into account, you can make a well-informed decision when selecting an ID verification company that aligns with your business requirements and provides a secure, efficient, and compliant service.

What is an online ID verification service?

In straightforward terms, Online ID verification services are internet-based solutions designed for confirming identities. What was traditionally done in-person for ID verification has now largely shifted to remote processes, with these services being utilized by regulated industries engaged in Know Your Customer (KYC) procedures.

Advantages of online ID verification

  • Accessibility – Verification can be carried out at any time and from any location, eliminating the need for potential customers to travel to physical stores or branches for verification.
  • Speed – Online verification can be completed within seconds, enabling quicker access to products and services.
  • Global Reach – Online ID verification services can accurately process a vast number of global identity documents, a task that may not be practical for in-store staff.

Verifiying ID: The final word

Confirming the identity of customers or users is a crucial process for businesses. Amidst the multitude of available services, apps, and APIs, selecting the most suitable solution can be a daunting task. This guide endeavors to offer a thorough overview to assist you in making an informed decision.