eKYC

This module verifies an end user's identity by matching the personal information they provide against records in recognized data sources. The fields collected and the sources available depend on the country selected.

Supported with:

:white_check_mark: Workflows | :white_check_mark: Flows

Add eKYC to Workflows

1. In the left menu, click Flow Builder > Workflows.
2. Click New or select an existing Workflow.
3. From the Modules list, drag and drop the eKYC module into the builder.
4. You can click the three dots > Edit on the module node to open the Configuration Options panel and adjust settings as needed.

Add eKYC to Flows

1. In the left menu, click Flow Builder > Flows.
2. Click New or select an existing Flow.
3. On the Select Modules tab, find the eKYC module and click Add.
4. You can click Details & Configurations to open the Configuration Options panel and adjust settings as needed.

Configuration Options

This section details all the configuration options available for this module. After changing anything, click Save configurations before closing the configuration panel.

The options you see in your configuration may differ from those documented below. Contact your Incode representative for more information.

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Field input sources

Each field checkbox has a drop-down specifying where the field's value comes from. The options available depend on the field. The default for all fields is Input, which means the value is entered by the end user. The other options pull the value from another module's output or from the end user's proof of address document.

{/* TODO: Confirm with PM that the input source options for each field are consistent across all sources and countries. If they vary, restructure this section. */}

{/* TODO: Confirm with PM whether "Tax ID" (US sources, Input only) and "TAX ID Number" (Argentina sources, Input + Proof of Address) are distinct fields or the same field with source-specific drop-down options. The UI label and drop-down options differ. */}

Risk Addons

Risk Addons are supplementary checks that evaluate the trust and potential risk of a phone number or email address. They can be added to any eKYC configuration to run alongside the country-specific verification, or configured as standalone checks under the Global country with the Risk Add-ons Only source.

Each add-on returns its own set of API response fields and an overall risk level. See the API reference for the full response schema.

Phone Check

Evaluates the trust and potential risk of a phone number using signals like validity, activity, carrier information, and fraud indicators. Signals include:

• Line type and carrier
• Whether the number is VOIP or prepaid
• Whether the number has been exposed in recent data breaches
• Whether the number has been reported for spam or harassment

Best suited for standard phone-number risk assessment.

Advanced Phone Check

Extends Phone Check with additional intelligence signals including porting history, breach history, social media presence, and digital footprint scoring. Signals include:

• Whether the number has been ported, and the previous and current carriers
• The number's first-seen date in the data partner's network
• Associated social media platforms
• Breach history, including first and last breach dates
• A digital footprint score

Best suited for higher-assurance workflows where extended phone intelligence is required.

Email Check

Evaluates the trust and potential risk of an email address using signals like validity, deliverability, breach exposure, and legitimate user activity. Signals include:

• Whether the email address appears in recent database leaks
• The estimated age of the email address
• The age of the email domain
• A measure of the email address's legitimate user activity (purchases, registrations, and other online behavior)

Best suited for assessing the trust and potential risk of an email address at account creation or high-risk transaction points.

Add Conditions

Conditions let you branch the Workflow based on the eKYC verification result. When adding a Condition after the eKYC module, search, filter, or browse for the eKYC section in the first drop-down and select from the following options: