Identity
Extend trust beyond identity verification
Close the trust gap between identity verification and bank account ownership. Add bank account ownership verification to Know Your Customer, Know Your Business, onboarding, fraud prevention, and trust workflows through a single Know Your Payee API.
The identity trust imperative
Most organisations can verify people and businesses. Far fewer can verify that an associated bank account belongs to the entity that was verified.
- Identity gaps in payment workflows
Know Your Customer and Know Your Business checks may verify an individual or business, but they do not necessarily confirm ownership of the destination account. Without KYC account matching or KYB bank verification, organisations can still face payment and onboarding risk.
- Onboarding fraud
Fraudsters can submit legitimate identity information while providing bank account details controlled by a different party.
- Limited verification signals
Trust decisions become harder when identity verification is not supported by independent confirmation of account ownership.
Complete the verification journey
One verification layer
Americas, Asia, Africa, and Europe via a single API.
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Verify the account behind the identity
Use bank account ownership verification to confirm that an account belongs to the individual or business that has been verified.
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Strengthen KYC and KYB workflows
Add KYC account matching and KYB bank verification as an additional layer within onboarding and trust decisions.
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Reduce fraud and payment risk
Identify mismatches before payments are initiated or accounts are activated.
One check, three verdicts
Precision Verification via a Single API. Integrate a Know Your Payee API into onboarding, fraud prevention, trust, and verification workflows to verify account ownership in real time.
You send identity and account details
After your identity checks, send the individual or business name and associated bank account.
IPID checks account ownership
IPID compares that name with the account holder.
You add the result to your trust decision
Use the match result as an additional signal in your onboarding and fraud controls.
Match: The name and account match.
Partial match: Close match, which may indicate a typo or naming variation.
No match: High risk. The name does not belong to the account.
Reviews by industry leaders
Experian brings consistent account verification to every market
“Our clients operate across markets with very different verification standards, and that inconsistency creates real friction and risk. Bringing IPID's verification capability into our platform means we can offer a single, reliable way to confirm account ownership wherever our clients do business. It ultimately strengthens our verification offering and gives businesses more confidence in every payment they make.”
Ready to strengthen your verification stack?
Extend Know Your Customer, Know Your Business, onboarding, and fraud workflows with global account ownership verification.
- KYC account matching
- KYB bank verification
- Onboarding
- Account changes
- Fraud prevention
- Trust decisions
How much could your organization save? Try the ROI calculator
Questions identity platforms ask first
How does IPID complement identity verification?
Identity verification confirms who a person or business claims to be. IPID provides bank account ownership verification to help confirm that the associated account belongs to that verified entity.
Can IPID support KYC and KYB workflows?
Yes. IPID can support KYC account matching, KYB bank verification, onboarding, compliance, and fraud prevention workflows by providing an additional verification signal.
Is IPID a replacement for KYC providers?
No. IPID complements existing Know Your Customer and Know Your Business processes by adding account ownership verification.
Can identity platforms embed IPID into their products?
Yes. Verification is delivered through an application programming interface and can be incorporated into onboarding, trust, and verification workflows.
Does IPID support global verification?
IPID provides access to verification capabilities across multiple markets through a single integration. Actual availability depends on the supported market and verification method.