Identity verification with ConnectPay user

Banking as a Service with integrated SCA uses ConnectPay solution for ID verification.

IDV endpoint can be found here. You will get the link with this endpoint. With this link, you should redirect your client to the ConnectPay branded IDV provider’s page. After verification is done, you will get a notification about the status.

Use this endpoint if you want to do IDV for private clients or corporate client representatives.

Identity verification with ConnectPay provider steps:

1. Request identify verification redirect link via endpoint POST Initiate IDV session API. With a successful response, you will get a redirect link, ConnectPay’s created personid and IDV status. The link provided is valid for 24 hours. After this time, a new IDV session needs to be created.
2. With the received link, ask the client to perform identity verification.
3. After successful IDV, the client will be redirected back or to successUrl if provided.
   1. If IDV fails, then the client will be redirected back or to failureUrl if provided.
   2. If IDV is dropped without ending the flow, the client will be redirected back or to dropUrl if provided.
4. The platform must receive application status IDV_APPROVED:
   1. via webhook IDV status change notification. You can find information here on how to subscribe to ConnectPay webhooks
   2. or via endpoint GET IDV status API
5. If the Platform received the status IDV_DECLINED or IDV_TOKEN_EXPIRED then you need to start again from the first step
6. When the Platform has client IDV with the status IDV_APPROVED and ConnectPay created personid that is provided in GET IDV status API response or IDV status change notification , the Platform needs to provide additional details about the client to open an account.
7. To personalize credentials, this user should be logged out using Logout API and perform a new login via Login process. This action is a confirmation a user is linked with certain identity.
8. Then a Platform is required to call POST Initiate personal application API with user’s access token. Currently, only private individuals can be onboarded via ConnectPay user solution, corporate onboarding is planned for the future.

Possible identity verification statuses

Status	Description
IDV_TOKEN_GENERATED	The IDV token of the end user has been generated
IDV_APPROVED	The IDV of the end-user has been approved
IDV_DECLINED	The IDV of the end user has been declined
IDV_TOKEN_EXPIRED	The IDV of the end user has expired, and a new token must be generated