The rise of eCommerce and BNPL has redefined convenience in consumer buying. With instant credit options and millions of daily transactions, platforms face immense pressure to onboard users quickly—without compromising fraud control or regulatory compliance. Identity verification and fraud prevention are no longer optional—they are foundational.
Industry Challenges
- High incidence of fraudulent accounts and synthetic identities
- Credit misuse and default risks due to inaccurate customer profiling
- Inadequate KYC checks leading to non-compliance
- Manual verifications creating friction during checkout
- Difficulty validating addresses, emails, or bank details for payouts or refunds
Solutions Tailored for eCommerce & BNPL
Customer eKYC & Face Match
PAN, Aadhaar, Voter ID verification with selfie match, Liveliness checks to prevent bot or impersonation fraud, Instant API responses for a smooth checkout/onboarding flow
Credit Risk Screening for BNPL Users
Validate identity, income proxy, and mobile data to score creditworthiness, Prevent account stacking and fraud rings, Reduce delinquencies with risk-based onboarding
AML & Watchlist Checks
Sanction screening for high-value BNPL transactions, Ensure compliance with KYC/AML mandates, Protect against fraudulent use of the platform
Mobile Number & Email Validation
Instantly validate user contact info during onboarding, Reduce fraud and improve communication success rates
Bank Account Verification for Refunds & Settlements
Confirm account ownership before processing refunds, payouts, or EMI collections, Supports penny drop, IFSC lookup, and beneficiary name match, Minimize failed payments and fraud-related disputes
Business Impact
- Lower fraud rates by filtering out fake or high-risk users
- Faster credit approvals with verified data
- Fewer chargebacks and payment errors
- Improved regulatory readiness across jurisdictions
