Xendit Data Services product consists of 3 product segments:
Helps merchants to understand better customers for onboarding decisions in Indonesia and Phillippines
OCR service that is able to extract transaction history based on bank mutation of the user or third-party account as part of the onboarding verification process or background checking.
A service based on machine learning that drives down fraud. The feature will help to verify some identity information and conduct checking across Iluma's millions of API calls resulting in the indication of potential fraud or potential risk for a specific user.
Below is the overview of the services and how they'll help to accelerate your business:
- Bank Name Validator 2.2
Bank account verification version 2.2 is the newest version of Iluma's NV feature able to verify the bank account detail from Indonesia & Vietnam. Unlike v1.2, this version will return the matching result of the data only. Available for Indonesia currently, Vietnam is launched in the near future.
- Bank Name Validator 2.1
Bank account verification version 2.1 is able to verify the bank account detail and returned the matching result of the data. Available for Indonesia only
- Bank Name Validator 1.2
Bank account verification version 1.2 is not only able to verify the bank account detail but also return the bank account name holder as response payload through API. Available for Indonesia and Vietnam
- E-wallet Validator
The E-wallet validator helps Indonesian merchant to validate e-wallet accounts via end-user phone numbers before disbursing some funds. The feature is supported to verify accounts from Gopay, DANA, ShopeePay, OVO, and LinkAja.
- NPWP Validator
NPWP Validator can be used to look up the account holder's name of a tax identification number (NPWP) in Indonesia
- KTP Biometrics
The feature will help to check if ID Cards (KTP) or ID number (NIK) exist in the Indonesian government records and checks if the selfie matches.
- KTP Validator
Alike of KTP biometrics, KTP validators conduct simpler checking of the ID Cards data to Indonesian government records without doing selfie matches.
- ID Card OCR
OCR services for the ID Cards are able to capture data consisting of text and images from a photograph of an official Indonesian Government ID card for a better-archiving process.
- Face Comparison
The feature will help merchants validate whether two photos are of the same person, such as a selfie photo and a photo of the user ID card.
- CFT Individual & Entity
The CFT (Combating the Financing of Terrorism) is commonly used to check if an individual or entity is connected with terrorism or proliferating weapons of mass destruction based on a range of databases. For more detail about the databases, please check here.
- CFT + PEP Individual & Entity
The CFT + PEP conducts bundled checking for individuals and entities to the CFT database and list of the politically exposed person. The feature will help merchants determine whether to onboard the individual/entity or failed them.
- Business Document Verification
The feature will help merchants to validate business documents (e.g.: DTI docs) against government official records. Iluma currently supports the PH use case only.
- Business Document OCR
Alike of the other OCR service, the feature will help merchant to extract text and images from a file of an official Business Document. Iluma currently support
- Passive Liveness Check
Passive liveness check helps merchants to identify whether the selfie image is a live taking.
- Document OCR Capture
Document OCR capture is an integrated interface for the user to upload their KYC documents consisting of ID Cards, selfies, and Business Registration Documents on one page. The feature will help to extract the data through OCR, conduct a liveness check on selfie images, and do a face comparison between ID Cards and selfies. Iluma currently supports the PH use case, for ID use case please talk to us via email@example.com or firstname.lastname@example.org.
- ID Phone Validator*
The ID Phone Validator services will help the merchant verify if the KTP or NIK is associated with a specific phone number.
*Please contact email@example.com directly to confirm further about this feature
- Bank Statement OCR
A feature that helps to capture the transaction details from the bank statement or bank mutation through the OCR services
- Bundled Identity Affirmation
A feature that is able to identify potential fraud and risk through email or phone number