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Verify user identities using bank data

Onboard more good users without friction

Reduce fraud losses and help prevent account takeovers

identity - product features

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curl -X POST https://sandbox.plaid.com/identity/match \
-H 'Content-Type: application/json' \
-d '{
   "client_id": String,
   "secret": String,
   "access_token": String,
   "user": {
       "phone_number": String,
       "legal_name": String,
       "email_address": String,
   "address": {
       "street": String,
       "region": String,
       "country": String,
       "city": String,
       "postal_code": String
      }
    }
}'

Retrieve Identity request

Use the endpoints to submit a POST request

http code 200 
{
  "accounts": [
    {
 …
      "legal_name": {
        "score": 90,
        "is_nickname_match": true,
        "is_first_name_or_last_name_match": true,
        "is_business_name_detected": false
      },
      "phone_number": {
        "score": 100
      },
      "email_address": {
        "score": 100
      },
      "address": {
        "score": 100,
        "is_postal_code_match": true
      },
      "subtype": "checking",
      "type": "depository"
    },
    {
    …
      "legal_name": {
        "score": 30,
        "is_first_name_or_last_name_match": false
      },
      "phone_number": {
        "score": 100
      },
      "email_address": null,
      "address": {
        "score": 100,
        "is_postal_code_match": true
      },
      "subtype": "savings",
      "type": "depository"
    }
  ],
  "request_id": "3nARps6TOYtbACO"
}

Retrieve Identity response

The <strong>/identity/get</strong> and <strong>/identity/match</strong> endpoints allow you to retrieve various account holder information on file with the financial institution and assess how well it matches against the information the user has provided. This information includes names, phone numbers, addresses, and emails.

Identity data straight from the source

names

phone numbers

addresses

emails

Make an Identity request

- __Increase sign ups:__ A popular investment platform saw an increase in conversion by more than 25%* by ensuring true account owners were not misclassified.

- __Save engineering and operations resources:__  Reduce in house engineering costs and manual reviews by outsourcing your matching efforts to Plaid.

- __Prevent downstream fraud:__ One of our digital bank customers saw that accounts with a mismatched phone number were 15x more likely to have an unauthorized return. They were able to use that information to block future users with mismatched phone numbers.

*compared to their in house matching algorithm 


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Onboard more verified users with match

Identity Verification 

Auth

Balance

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Plaid’s Identity API allows companies to verify and match user account ownership, all with just a few lines of code. Find out how.

Identity API - Verify & match user account ownership

For consumers

For consumers

Identity

Verify bank account ownership

product features