Identity verification is essential to access online material and sensitive information in the digital world. It is the process where a website or company confirms an individual’s identity to be true. As technology develops quickly, various businesses have migrated online (e-commerce) for faster and easier means of transactions and a wider audience.

While online identity verification API is becoming increasingly popular, what are the best ways to guarantee safety and reliability and minimize fraud? Let’s find out!


Biometrics, which include facial and fingerprint recognition, use an individual’s unique and distinct traits to act as a password for entry or access. This is the most commonly used form of identity verification API.

The commonality of biometrics is due to its effectiveness and usage in consumers’ daily lives. Phone companies like Apple and Samsung now use fingerprint and Face ID to unlock their smartphones. Its easy-to-use features make it a leading identity verification software.

One-Time Passwords (OTP)

One-Time Passwords are used as a Two-Factor Authentication (2FA) or Multi-Factor Authentication (MFA) process. It acts as an extra layer of security. With this online identity verification approach, customers must verify their digital identity when they log in to their account to use or purchase a service.

Customers are asked to confirm their phone number or email, and a one-time authentication code is sent to the information provided. This is to verify that the person is in control and has access to the number or email provided. Because OTPs are only valid for a short time and cannot be reused, this method offers strong resistance to attacks.


One of the most commonly used digital identity verification methods is document verification. The document verification method is an online identity verification process to check whether a person’s documents (passports, driver’s license, ID card, bank statements) are legitimate.

This approach captures and analyzes the ID data to differentiate between government-issued and forged documents. When the document verification software is in use, the advanced technology authenticates the document quickly and, in this short period, determines if the document is genuine or not.

Knowledge-Based Authentication (KBA)

This identity verification solution requires a person to answer a set of customized questions with their peculiar answers to verify a customer’s identity. Knowledge-based authentication heavily relies on the user or customer being the only person with the answers to the pre-selected questions. identity verification online

While many websites and banking apps are still using it, it is becoming outdated with the rise of more advanced technological methods.

Database Approach

Database identity verification solutions use data obtained online, offline, and social media data to identify fraudulent activities. Data is analyzed from these multiple sources and, using a confidence score, determines whether a user’s identity is authentic or is subject to fraud.

This approach’s primary disadvantage is that they often do not follow Know Your Customer (KYC) or Anti-Money Laundering systems. Database ID verification would have to be used alongside other identity verification solutions to ensure more effective identity security.

The best identity verification API and solution for your business will be determined by the type of information that needs to be verified. The ever-evolving technology provides better cybersecurity options for detecting whether an identity document is valid or being impersonated.