User background checks

This feature allows you to carry out background checks on users before you onboard them or grant them access to your applications.

You need approval to use this feature. Contact us at hi@flutterwavego.com to request approval on your account.

You can use it in combination with our card bin and account resolve API to verify the identity of your customer. This feature helps you identify if the user being verified has been flagged for fraudulent transactions in the past.

To conduct the background check, You can pass either of these user details to the check endpoint:

  1. Phone number
  2. User's BVN
  3. Email address
# Sample request
curl --location --request POST 'https://api.flutterwave.com/v3/fraud-check' \
--header 'Authorization: Bearer YOUR_SECRET_KEY' \
--header 'Content-Type: application/json' \
--data-raw '{
    "entity":"4096485018",
    "type":"ACCOUNT_NUMBER"
}'

If the check is successful, you'll receive a response with a success status.

{
    "status": "success",
    "message": "Check Successful",
    "data": false
}

If the check fails, one of these error messages is returned.

{
    "status": "error",
    "message": "Invalid authorization key",
    "data": null
}
{
    "status": "error",
    "message": "type must be one of [PHONE_NUMBER, BVN, EMAIL_ADDRESS]",
    "data": null
}
{
    "status": "error",
    "message": "You are not enabled to access this service. Please contact support.",
    "data": null
}
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