Trust reliable users to pay later with confidence

Loyal and long-term users have better rates and credit limits. As a result, fraudsters attempt to take over these high-value accounts to access the benefits associated with them.

With a two-factor biometric authentication, you can register a photo of a user and then compare it to a newly captured selfie at critical stages of a transaction. This ensures the account remains in the same hands at all times. In addition, all submitted selfies are checked for liveness and monitored for spoof attempts. Remove the risk of high-value transactions by adding secure checkpoints to the user journey.

Relying on credit bureaus to reconcile a shopper's identity can be slow and prone to mistakes.
With Smile ID, you can instantly verify consumers' identities across nearly all African countries without needing to depend on incomplete credit records.

By validating legal identity documents, you can reliably confirm the identity of users who may have very thin or non-existent credit records. This allows you to open up your platform to more users.

Some users create accounts with dubious details to make purchases with no intention of paying. Payment defaults from illegitimate users can leave you with high losses.

Matching faces to document photos is the most secure and reliable way to confirm your users are who they say they are. Using biometric comparison catches 50% more fraud than text-only ID number verification.