Fincra Identity API
Identity & KYC · Data Validation · Banking & Fintech
Fincra Identity is the identity management and verification feature set built into the Fincra API. It is not a standalone product it is accessed using the same API credentials as Fincra payment services.
Fincra Identity API Highlights
Fincra Identity API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key (from Fincra Dashboard same key used for payment APIs)
50 API calls per second (shared with all Fincra APIs)
Nigeria
Ghana
KenyaFincra Identity API is best for:
Nigerian fintechs and businesses already using Fincra for payments who want to add BVN resolution, bank account verification, and card BIN lookup as part of the same API integration without a separate KYC provider.
- Identity verification features are included in the Fincra API
- Pricing is custom based on volume and product needs contact Fincra sales
Fincra Identity API Core Features & Capabilities
Not Supported
Fincra Identity API Supported Webhook Events
Delivers real-time status callbacks for collections, payouts, cross-border conversions, settlements, and refunds.
| Event Name | Trigger & Description |
|---|---|
charge.successful | Collection charge completed successfully. |
charge.failed | Collection charge failed. |
payout.successful | Payout to bank or wallet completed. |
payout.failed | Payout attempt failed. |
settlement.successful | Settlement disbursed to merchant payout account. |
refund.successful | Refund settled to customer account. |
Required Access Documents for Fincra Identity API
- Fincra Business AccountRequiredFincra Identity features are accessed via your existing Fincra account. You must complete Fincra business onboarding including CAC registration, director KYC, and compliance review before using identity APIs in live mode.
- CAC RegistrationRequiredCertificate of Incorporation required as part of Fincra live mode activation.
- Director Government IDRequiredValid government-issued ID for directors required for Fincra account live mode.
Different Fincra Identity API use cases
- BVN-Based Customer Onboarding:Nigerian fintechs using Fincra for payments can add BVN resolution to their onboarding flow using the same Fincra API key verifying new user identity against the CBN BVN database without a separate KYC provider integration.
- Bank Account Pre-Validation:Before initiating a payout via Fincra, call the bank account verification endpoint to confirm the recipient account number is valid and retrieve the account name preventing failed transfers and fraud.
- Card BIN Screening:Payment platforms can use Fincra card BIN resolution to identify the issuing bank, card type (debit/credit), and country of origin for any card number prefix enabling routing decisions and fraud screening.
- KYC Compliance for Lending Platforms:Nigerian BNPL and lending platforms using Fincra for collections can add BVN verification to their loan application flow confirming applicant identity matches their bank account before disbursing credit.
- Payout Recipient Verification:Businesses running bulk payouts via Fincra can verify each recipient's bank account number and name before including them in a batch transfer reducing failed disbursements and manual reconciliation.