3 Best APIs for Customizable in Nigeria

Persona is a flexible identity verification and compliance platform that enables businesses to build custom KYC (Know Your Customer) workflows combining government ID verification, biometric liveness checks, database lookups, phone/email verification, and AML screening — all configurable through a no-code workflow builder without requiring engineering changes for each compliance update. Founded in 2018 and headquartered in San Francisco, Persona serves fintech companies, crypto exchanges, marketplaces, lending platforms, and gig economy businesses globally. The platform is notable for its native Nigeria Database Verification module, which checks Nigerian NIN (National Identification Number), BVN (Bank Verification Number), voter registration cards, and driver's licenses directly against authoritative Nigerian government databases — a capability that distinguishes Persona from most global KYC providers who rely on document OCR alone without database cross-referencing. ## What the API Does Persona's API enables developers to trigger, manage, and retrieve identity verifications called "Inquiries." Each Inquiry runs a configurable set of verification steps: document verification (passport, national ID, driver's license), selfie liveness detection (passive or active), database checks (government, watchlist, phone, email), and business verification (KYB). For Nigerian users specifically, the Nigeria Database Verification product cross-references the user's submitted identity data against Nigerian government records, providing a higher-assurance confirmation than document image analysis alone. The platform's Workflow engine (formerly called "Cases") allows teams to define multi-step verification journeys with conditional logic. For example: if a user submits a voter card that fails OCR, automatically prompt for an alternative document; if a database check returns a sanctions hit, escalate to manual review; if transaction value exceeds a threshold, trigger enhanced due diligence. These rules are configured in Persona's dashboard without code. ## How Developers Use It Integration follows a standard flow: 1. Create an Inquiry using `POST /api/v1/inquiries` — this initializes a verification session for the end user. 2. Redirect the user to Persona's hosted verification flow (URL returned in the response) or embed using the Persona Embedded Flow SDK. 3. The user completes document upload, selfie, and any database check steps within the Persona-hosted UI. 4. Receive results via webhook (`inquiry.completed`, `inquiry.failed`, etc.) when the user finishes, or poll `GET /api/v1/inquiries/{inquiry-id}` for status. 5. Retrieve the full verification report including extracted data, check outcomes, and overall decision from the Inquiry object. Persona also provides a Verifications API for accessing individual check results (document verification report, database check report, selfie report) with granular pass/fail scores and extracted data fields. ## Pricing & Fees Persona uses a pay-per-successful-verification model — you are only charged when a verification completes successfully, not for failed or abandoned sessions. Plans include: - **Essential Plan**: $250/month (annual contract) — includes 500 verifications per month, $1 per additional verification. - **Growth Plan**: Custom pricing based on your verification volume and product mix. Recommended for most growing businesses. - **Enterprise Plan**: Fully custom pricing with dedicated support, SLA guarantees, and volume discounts. A sandbox environment is available immediately after signup for testing. ## Authentication Persona uses API key authentication. Your API key is passed as a Bearer token in the `Authorization: Bearer your_api_key` header on all requests. Persona API keys have environment scopes — sandbox keys work only against the sandbox environment, and live keys are used in production. Webhook payloads include an `X-Persona-Signature` header for payload verification to prevent forgery. ## Rate Limits Persona does not publish specific rate limits in their public documentation. Limits vary by plan tier. Contact Persona's support team to confirm the applicable rate limits for your subscription. ## Nigeria-Specific Capabilities Persona's Nigeria Database Verification is a standout feature for Nigerian developers. It covers: - **NIN Verification**: Cross-check NIN (National Identification Number) against NIMC database records. - **BVN Verification**: Verify the Bank Verification Number against NIBSS records. - **Voter Card Check**: Validate voter registration data against INEC records. - **Driver's License Check**: Verify driver's license data against FRSC records. This level of native database integration means Nigerian fintechs can achieve higher-confidence identity verification than document OCR alone, satisfying CBN's customer due diligence requirements for higher-tier accounts. ## Compliance & Regulations Persona holds ISO 27001 and SOC 2 Type II certifications. The platform supports GDPR, CCPA, and NDPR compliance. Verification workflows align with FATF KYC recommendations and CBN Customer Due Diligence regulations for Nigerian financial institutions. AML screening covers OFAC, UN, EU, UK Treasury, and global PEP databases. For Nigerian fintech clients, Persona's database verification checks provide evidence-based identity confirmation suitable for CBN KYC Tier 2 and Tier 3 requirements. ## Challenges & Gotchas for Nigerian Developers 1. **Nigeria database checks as add-on**: While Persona supports Nigerian database verification, it may be priced as an add-on module on top of the base plan. Confirm availability on your chosen plan. 2. **Essential plan volume limits**: 500 verifications/month on the Essential plan is modest. Growing Nigerian apps with significant onboarding volumes will need to move to Growth pricing quickly. 3. **USD billing only**: Persona charges in USD. Use a USD virtual card or wire transfer for payment. 4. **NDPR biometric data**: Selfie and biometric data captured during Persona verifications qualify as sensitive personal data under NDPR. Ensure your data processing agreement covers Nigerian user biometric data retention and deletion. 5. **Workflow complexity**: Persona's no-code Workflow builder is powerful but has a learning curve. Budget time for workflow configuration and QA testing before going live. ## Company Background Persona was founded in 2018 by Rick Song and Charles Yeh. The company has raised over $200 million in funding from investors including Index Ventures, Coatue, and First Round Capital. Persona is widely used by US and international fintech companies, and its Nigeria support makes it one of the few global KYC platforms with genuine database-level verification for Nigerian identity documents. ## Frequently Asked Questions **Q: Does Persona support Nigerian BVN verification?** A: Yes. Persona's Nigeria Database Verification product supports BVN cross-checking against NIBSS records, NIN against NIMC, voter cards against INEC, and driver's licenses against FRSC. **Q: Can I use Persona without a sales call?** A: Yes. The Essential plan ($250/month) activates after online signup. Growth and Enterprise plans require a sales conversation. **Q: Am I charged for failed verifications?** A: No. Persona only charges for successfully completed verifications — abandoned or failed sessions are not billed. **Q: Is there a free trial?** A: Persona provides a sandbox environment for testing without charge. Production verifications require an active plan.

FlightsLogic is a travel technology company that provides flight booking APIs and white-label travel portal solutions specifically designed for travel agencies and OTAs looking to build custom flight booking products. Positioned as a technology enabler for businesses that want to own their customer booking experience rather than redirecting to third-party booking sites, FlightsLogic offers direct API access to GDS flight content with the flexibility to build fully branded booking interfaces. The FlightsLogic platform connects to major GDS systems to provide real-time flight availability and pricing across hundreds of airlines on global routes. This GDS connectivity gives developers access to the full breadth of international airline content including all major carriers serving Nigerian routes — Emirates, British Airways, Turkish Airlines, Air France, Lufthansa, Qatar Airways, and others operating from Lagos and Abuja to European, Middle Eastern, North American, and Asian destinations. Flight search capabilities support both simple round-trip and one-way searches and complex multi-city itineraries required for international business travel routing. The pricing engine returns fares with complete breakdown including base fare, all applicable taxes, and airport and carrier surcharges — the total cost transparency that Nigerian corporate travel managers require when booking trips for employees. Fare rules covering refundability, change fees, and advance purchase requirements are included in the pricing response. Nigerian domestic routes are covered through connections to Nigerian carrier systems, providing flight data for Air Peace, Ibom Air, United Nigeria Airlines, and other operators serving routes between Lagos, Abuja, Kano, Port Harcourt, Enugu, Benin, Calabar, and other Nigerian cities. For travel agencies serving both domestic and international travel needs, a single FlightsLogic integration provides content for the full range of flight products their customers need. Booking workflow support includes seat selection, special service request submission for dietary preferences and wheelchair assistance, baggage allowance information, and check-in deadline details. Post-booking management covers cancellation processing within applicable fare rules, rebooking on alternative dates, and modification of passenger details where permitted. The complete booking lifecycle in a single API integration reduces the need for manual agent intervention in routine booking workflows. The white-label portal option addresses the needs of Nigerian travel businesses that want to launch an online booking capability quickly without building a custom front-end application. FlightsLogic provides configurable portal templates that can be branded with the travel agency's identity, integrated with a payment gateway, and deployed to serve online customers. The portal includes back-office booking management tools, report generation, and customer management features. FlightsLogic provides technical support during integration and ongoing operational support for production deployments. The company has worked with travel businesses in Africa and understands the specific requirements of the Nigerian market. The freemium pricing model allows Nigerian travel agencies to explore the platform capabilities before entering into a commercial agreement for production deployment. Nigerian corporate travel managers using FlightsLogic-powered systems benefit from policy controls that restrict bookings to pre-approved fare classes, carrier preferences, and price caps, ensuring employee travel stays within company travel policy. The reporting capabilities enable monthly travel expenditure analysis, identifying cost optimization opportunities and providing the data needed for vendor negotiation. FlightsLogic's combination of global GDS content, Nigerian domestic carrier coverage, and business management tools makes it a comprehensive choice for Nigerian travel businesses at various scales.