identity verification

More customers, minus the fraudsters

Verify good users and stop bad ones in seconds.

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Identity verification process illustration. A young man’s face is scanned for instant verification, with a circular digital effect surrounding his head. A Hawaii driver’s license is displayed, showing a matching photo and personal details. The label 'Instantly verified' with a lightning bolt icon highlights the speed of the verification process. Gradient background with a futuristic, secure digital identity theme.

  • Verify identity data

    Confirm identity information against regulated data sources in seconds.

  • Authenticate IDs

    Verify that global ID documents are authentic and valid.

  • Confirm liveness

    Ensure a person is present and their face matches the image on the provided ID.

Digital identity verification interface displaying Social Security Number (SSN) validation. The screen highlights behavioral analysis marked as 'RISKY,' fraud ring detection marked as 'NO,' and bot detection flagged as 'YES.' A magnified view emphasizes SSN encryption and security. Gradient blue background reinforces a secure and modern fraud prevention system.

Protect your bottom line

Identity Verification prevents sophisticated attacks and reduces fraud losses with an anti-fraud engine that analyzes hundreds of risk signals.

  • Behavioral analytics

    Monitor how users enter PII and catch behavior consistent with bad actors, fraud rings, and bots.

    Digital identity verification interface displaying Social Security Number (SSN) validation. The screen highlights behavioral analysis marked as 'RISKY,' fraud ring detection marked as 'NO,' and bot detection flagged as 'YES.' A magnified view emphasizes SSN encryption and security. Gradient blue background reinforces a secure and modern fraud prevention system.

  • Check if the number and address are new, disposable, registered with external accounts, or compromised in breaches.

    Digital identity verification interface displaying basic user information, including a mobile number and email. A customer risk assessment panel shows a 'FAIL' status, with 'HIGH RISK' for phone verification, 'MED RISK' for email verification, and 'PASS' for SMS verification. Gradient blue and purple background emphasizes secure fraud detection and risk analysis.

  • Detect the use of VPN or Tor, IP geolocation and timezone mismatch, incognito browsers, or repeat sessions from the same device.

    Digital identity verification interface displaying user address details. A customer risk assessment panel shows a 'PASS' status, with 'LOW RISK' for device type. A note indicates a low probability that the user is masking their IP address or location, as no data breaches were detected. Gradient blue and purple background emphasizes secure fraud prevention and risk evaluation.

  • Understand whether identity information is fabricated, manipulated, or stolen.

    Digital identity verification interface displaying legal name input. A customer risk assessment panel indicates a 'FAIL' status, with 'LOW RISK' for stolen identity but 'HIGH RISK' for synthetic identity fraud. Additional details explain first-party synthetic fraud (real name with a fictitious SSN) and third-party synthetic fraud (completely fictitious identity). Gradient blue and purple background emphasizes secure fraud detection and risk evaluation.

  • Verify identities in as little as 10 seconds

  • Consistently achieve pass rates of 90% or greater

  • Support for 16,000+ ID types
    and 200 countries and territories

More coverage, more users

From the front-end UI to the back-end data sources, Identity Verification is built to quickly verify users no matter where they're from.

  • Guided document capture experience improves success by 10%

  • Available in English, Español, Français, Português, or 日本語

  • Dedicated data source coverage for unbanked and thin-file consumers

  • Support for permanent residency cards and B1/B2 temporary visas

More coverage, more users

From the front-end UI to the back-end data sources, Identity Verification is built to quickly verify users no matter where they're from.

  • Guided document capture experience improves success by 10%

  • Available in English, Español, Français, Português, or 日本語

  • Dedicated data source coverage for unbanked and thin-file consumers

  • Support for permanent residency cards and B1/B2 temporary visas

Workflow management interface for identity verification across multiple countries. Options for the United States, Canada, and the UK are shown, with a selection to collect either the last 4 or full 9 digits of a Social Security Number. Document collection options include Driver’s License, ID Card, Passport, and Residency Permit. The interface has a gradient blue and purple background, highlighting secure and customizable identity verification settings.

Manage KYC, without writing code

Easy for Product, Compliance, and Risk teams - from set up to ongoing management.

  • No-code editor to create and change verification flows

    Workflow management interface for identity verification across multiple countries. Options for the United States, Canada, and the UK are shown, with a selection to collect either the last 4 or full 9 digits of a Social Security Number. Document collection options include Driver’s License, ID Card, Passport, and Residency Permit. The interface has a gradient blue and purple background, highlighting secure and customizable identity verification settings.
  • Risk rules management interface displaying various fraud risk assessments. Categories include 'Phone Risk' (MED RISK), 'Network Risk' (LOW RISK), 'Device Risk' (HIGH RISK), and 'Fraud Network' (OFF). The interface features a gradient blue and purple background, emphasizing secure and automated fraud detection analysis."
  • User verification status interface for 'Rich Abe' with a U.S. flag indicator. The verification process is marked as 'IN PROGRESS' with options to link or cancel verification. Status indicators show 'PASS' for Financial Verification and Lightning Verification, but 'NO MATCH' for SMS Verification. The interface has a gradient blue and purple background, emphasizing secure and automated identity verification.
  • "Compliance agent dashboard displaying user verification status for 'Rich Abe' with a U.S. flag indicator. The process is marked as 'IN PROGRESS.' A dropdown menu provides options to 'Link to Verification,' 'View Template,' 'Request Retry,' and 'Cancel Verification.' Status indicators show 'PASS' for Lightning Verification, but 'NO MATCH' for SMS Verification. Gradient blue and purple background emphasizes secure identity verification management.

Faster verification on the Plaid Network

  • Autofill

    When users provide a phone number and date of birth, we autofill other details to speed up completion to under 10 seconds.

  • Remember Me

    Improve your user experience with "one-click" verification. When users save their identity data, it fast-tracks verification across Plaid-powered apps.

Experience Plaid Identity Verification

View API Docs

Experience Plaid Identity Verification

View API Docs

Deploy out-of-the-box or integrate flexibly

  • No-code

    Start verifying identities with one click. Generate verification links from the Plaid dashboard, no integration needed.

  • Hybrid

    Verify users via API and dynamically handle fallbacks and exceptions with our UI.

  • Fully integrated

    Use our conversion-optimized, embeddable interface for all aspects of user verification.

Questions about how Plaid can fit into your business?

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