IDV Premium

Introduction

The IDV Premium API enables real-time identity verification of individual consumers in the U.S. using a combination of personal data points such as name, SSN, phone number, address, and date of birth. The API cross-checks each input field against multiple authoritative databases and returns detailed match indicators for each field, helping businesses assess the accuracy and legitimacy of a user's identity

Key Benefits

Multi-attribute identity verification using trusted U.S. data sources.

Field-level match indicators (e.g., name match, SSN match, DOB match).

Reduces risk of synthetic identity fraud and impersonation.

Multiple database lookups in one single endpoint to maximize coverage

Common Use Cases

Banking & Financial Services (KYC/CIP)

Verify consumer identities during account opening, credit applications, or lending decisions to meet regulatory compliance.

Online Marketplaces & Gig Economy Platforms

Confirm legitimacy of users, sellers, drivers, or service providers before activation on the platform.

Cryptocurrency & Fintech Platforms

Perform identity verification during wallet creation or crypto trading onboarding, reducing regulatory and fraud risk.

Healthcare Registration

Confirm patient identity using SSN and DOB to avoid duplicate records and insurance fraud.

Insurance Onboarding & Claims

Validate the identity of policyholders or claimants during online application or payout processes.

E-commerce or BNPL (Buy Now Pay Later) Platforms

Use full or partial SSN-based verification to determine if users are legitimate before extending credit or high-value services.

Sample cURL

Production

Pre-production

curl --location 'https://api.signzy.us/api/v3/us-kyc/idv-premium' \
--header 'Content-Type: application/json' \
--header 'Authorization: ****' \
--data-raw '{
  "consent": true,
  "consentStatus": "optedIn",
  "countryCode": "US",
  "firstName": "John",
  "lastName": "Doe",
  "dob": "1990-05-15",
  "addressLine1": "123 Main Street",
  "city": "New York",
  "state": "NY",
  "zip": "10001",
  "phoneNumber": "",
  "ssn": "",
  "email": "[email protected]",
  "scoreThreshold": 0
}'

curl --location 'https://api-preproduction.signzy.us/api/v3/us-kyc/idv-premium' \
--header 'Content-Type: application/json' \
--header 'Authorization: ****' \
--data-raw '{
  "consent": true,
  "consentStatus": "optedIn",
  "countryCode": "US",
  "firstName": "John",
  "lastName": "Doe",
  "dob": "1990-05-15",
  "addressLine1": "123 Main Street",
  "city": "New York",
  "state": "NY",
  "zip": "10001",
  "phoneNumber": "",
  "ssn": "",
  "email": "[email protected]",
  "scoreThreshold": 0
}'

Request Body Parameters

Required Fields

Field	Type	Validation Rules	Description
consent	Boolean	Must be true (strict validation)	User consent for identity verification
consentStatus	String	Must be "optedIn" or "optedOut"	Consent status for data processing
countryCode	String	Must be "US"	Country code for verification
firstName	String	Required, max 100 characters, trimmed	Individual's first name
lastName	String	Required, max 100 characters, trimmed	Individual's last name
dob	String	Required, format: YYYY-MM-DD, year ≥ 1910, not future date	Date of birth
addressLine1	String	Required, max 500 characters, trimmed	Primary address line
city	String	Required, trimmed	City name
state	String	Required, 2 uppercase letters, valid US state code	US state abbreviation
zip	String	Required, format: XXXXX or XXXXX-XXXX	ZIP code
phoneNumber	String	Required, format: 1XXXXXXXXXX or +1XXXXXXXXXX	Phone number with country code

Optional Fields

Field	Type	Validation Rules	Description
ssn	String	Optional, exactly 9 digits if provided	Social Security Number
email	String	Optional, valid email format if provided	Email address
scoreThreshold	Integer	Optional, 0–100, default: 80	Threshold for partial match scoring

Sample Response

{
    "result": {
        "ssn": "NO_MATCH",
        "firstName": "NO_MATCH",
        "lastName": "NO_MATCH",
        "dob": "NO_MATCH",
        "addressLine1": "NO_MATCH",
        "city": "NO_MATCH",
        "state": "NO_MATCH",
        "zip": "NO_MATCH",
        "phoneNumber": "NO_MATCH",
        "email": "NO_MATCH"
    },
    "reason": "Request Successful",
    "code": "S001"
}

Response Body Parameters

Parameter	Data Type	Description
result	Object	Contains field-level match results
reason	String	Status message of the API response. Example: Request Successful
code	String	Response code indicating status. Example: S001

Result Object Fields

Parameter	Data Type	Description
result.ssn	String	Match status for SSN (MATCH, PARTIAL_MATCH, NO_MATCH, NA)
result.firstName	String	Match status for first name
result.lastName	String	Match status for last name
result.dob	String	Match status for date of birth
result.addressLine1	String	Match status for address
result.city	String	Match status for city
result.state	String	Match status for state
result.zip	String	Match status for ZIP code
result.phoneNumber	String	Match status for phone number
result.email	String	Match status for email

Sample Error

{
    "result": {},
    "reason": "Upstream error",
    "code": "E401"
}

Error Response Parameters

Parameter	Description
result	Empty result object
reason	Reason for error
status	Status of the api
code	Error code from Signzy

Error Codes

HTTP Status Code	Error Code	Description
400	E001	Bad Request
401	E1001	Unauthorized Access
403	E201	Forbidden
404	E301	Data Not Found
409	E401	Upstream error
429	E501	Rate Limit Exceeded
500	E601	Internal Server Error
503	E701	Service Unavailable
504	E801	Timeout

Success Codes

HTTP Status Code	Success Code	Description
200	S001	Request Successful.
200	S003	Data not Found on source.

Getting help

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You can reach out to us at [email protected]. We strive to provide prompt and reliable assistance, ensuring your queries are addressed effectively.

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