What level of match is considered "sufficient"?

The sufficient match level is defined by your institution's risk matrix. The API returns match statuses (Total, Partial, or No Match), where a total match is standard for low-risk tasks and a partial match may trigger additional security steps.

Does the API share complete customer data between my company and the mobile operator?

No. The API acts as a secure bridge. Your institution sends data for verification, and the MNO returns a status (Yes/No/Partial). Personal data is never transferred between databases or stored by Plusmo.

What happens if the customer recently changed their number or name?

The API queries the latest carrier records. If your company's records are outdated, it will result in a 'partial match' or 'no match,' signaling the need to update your customer database.

What identity data is needed for verification?

Requirements vary by region but generally include the MSISDN (phone number), full name, and national ID/Passport number. Providing more data points increases the precision of the cross-verification.

Is this API a replacement for other identity verifications?

It is a powerful complement that automates and secures validation during onboarding. While it doesn't replace legal document storage obligations, it drastically speeds up the KYC process and reduces fraud.

KYC Match API

In a digital environment that demands speed, security, and regulatory compliance, Plusmo's Know Your Customer (KYC) Match API offers the definitive solution for validating your customers' identity. This revolutionary tool simplifies compliance with KYC and AML (Anti-Money Laundering) regulations by verifying the customer's identity directly against the most reliable data source: the mobile network operator (MNO).
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Our API verifies the identity data you have about a customer, instantly comparing it with the information the mobile operator has registered for the associated phone number. If the level of match is sufficient, the identity is validated, and the business process can continue without friction.

How Real-Time Data Matching Works?

Plusmo's KYC Match API establishes a secure verification channel between your customer database and the mobile operator's database, without revealing confidential data on either side.

The Customer Validation Flow

Data Capture and Query

Your institution collects key customer data during the onboarding process or a sensitive operation (e.g., full name, ID/Passport number, date of birth) and their phone number (MSISDN).

Call to the KYC Match API

Your system sends the following query to the Plusmo API, including the number and the customer's data.

Cross-Verification

The API securely contacts the mobile operator associated with that number and performs the verification: Do the customer data you sent match the data the operator has registered for that phone number?

Match Level Response

The operator returns a response indicating the match level (e.g., total match, partial match, or no match).

Risk-Based Decision

-Total or sufficient match: the user is automatically validated and continues with the normal process.

-Partial or no match: your system implements additional measures (e.g., video call, document verification) to validate the user or, in high-risk cases, the request is rejected.

This process not only verifies that the number is valid but also confirms that the person using it is the registered legitimate holder.

Strategic Benefits of Integrating Plusmo KYC Match API

Fraud reduction

By cross-referencing data with a trusted source (the MNO), you eliminate identity uncertainty and minimize exposure to fraud.

Accelerated onboarding

By automating identity verification, the time required to onboard a new customer is reduced, improving experience and conversion rate.

Cost Optimization

Decrease operational costs associated with manual document review and fraud management.

Reinforced Compliance

Provide regulators with a robust, real-time, and auditable layer of identity verification.

FAQ’S

Frequently Asked Questions

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