L'authentification biométrique (0,10 $) et l'analyse d'appareil et d'IP (0,03 $) offrent deux facteurs SCA de niveau DSP3 en une seule invite. Résistant au phishing. Remplacement direct du mot de passe à usage unique par SMS.
Robinhood Ventures
Approuvé par plus de 2 000 organisations dans le monde entier.
Pourquoi le SMS OTP est obsolète
La DSP3 supprime progressivement le mot de passe à usage unique par SMS comme facteur d'authentification forte du client (SCA). L'authentification forte biométrique liée à l'appareil de Didit bloque l'échange de carte SIM, le phishing en temps réel et l'interception SS7, à 0,13 $ par authentification, verdict en moins de deux secondes, prête pour la liaison dynamique. 500 vérifications gratuites chaque mois.
Choisis les vérifications que tu veux, ID, détection du vivant, correspondance faciale, sanctions, adresse, âge, téléphone, e-mail, questions personnalisées. Glisse-les dans un workflow sur le tableau de bord, ou publie le même workflow via notre API. Crée des branches conditionnelles, lance des tests A/B, aucun code requis.
Intègre nativement avec nos SDK Web, iOS, Android, React Native ou Flutter. Redirige vers une page hébergée. Ou envoie simplement un lien à ton utilisateur, par e-mail, SMS, WhatsApp, n'importe où. Choisis ce qui convient à ta stack.
Didit gère la caméra, les indications lumineuses, le transfert mobile et l'accessibilité. Pendant que l'utilisateur est dans le parcours, nous évaluons plus de 200 signaux de fraude en temps réel et vérifions chaque champ par rapport à des sources de données fiables. Résultat en moins de deux secondes.
Des webhooks signés en temps réel maintiennent ta base de données synchronisée dès qu'un utilisateur est approuvé, refusé ou envoyé en révision. Interroge l'API à la demande. Ou ouvre la console pour inspecter chaque session, chaque signal, et gérer les cas à ta manière.
Didit · SCA factors
Knowledge
Password · PIN
Optional
Possession
Bound device
Didit ✓
Inherence
Face · liveness
Didit ✓
Didit · Dynamic linking
Didit · Attack matrix
Didit · Exemption engine
Didit · Device & IP Analysis
Didit · Per-auth cost
$ curl -X POST https://verification.didit.me/v3/session/ \
-H "x-api-key: $DIDIT_API_KEY" \
-d '{
"workflow_id": "wf_sca_biometric",
"vendor_data": "user-42",
"metadata": { "purpose": "login" },
// base64 KYC enrolment selfie, ≤ 1MB
"portrait_image": "/9j/4AAQSkZJRgABAQE..."
}'statut Approuvé · Refusé · En cours d'examen$ curl -X POST https://verification.didit.me/v3/session/ \
-H "x-api-key: $DIDIT_API_KEY" \
-d '{
"workflow_id": "wf_sca_biometric",
"vendor_data": "user-42",
"metadata": { "amount": "247.50", "payee_account": "ES91…1332" },
// base64 KYC enrolment selfie, ≤ 1MB
"portrait_image": "/9j/4AAQSkZJRgABAQE..."
}'le webhook renvoie le montant + le bénéficiaire pour vérificationYou are integrating Didit's Strong Customer Authentication into a payment service provider, bank, EMI, or wallet to satisfy PSD3 / the Payment Services Regulation (PSR). Two factors in one prompt:
1. Inherence — Biometric Authentication: Passive Liveness + Face Match 1:1 against the user's previously-enrolled KYC selfie.
2. Possession — Device & IP Analysis: 200+ real-time fraud signals binding the auth to the user's known device.
Pricing (verified live 2026-05-16):
- Biometric Authentication: $0.10 per auth
- Device & IP Analysis: $0.03 per auth
- Total: $0.13 per Strong Customer Authentication
- First 500 verifications free every month, forever
- Re-uses the enrolled selfie from the original KYC — no re-enrolment
PRE-REQUISITES
- Production API key from https://business.didit.me (sandbox key in 60 seconds, no credit card).
- Webhook endpoint with HMAC SHA-256 verification of the X-Signature-V2 header.
- A workflow_id from the no-code Workflow Builder configured as a Biometric Authentication workflow (Passive Liveness + Face Match 1:1 + Device & IP Analysis).
- The user has previously completed a Didit KYC (the same enrolled selfie backs every subsequent auth).
STEP 1 — Open an authentication session
POST https://verification.didit.me/v3/session/
Headers:
x-api-key: <your api key>
Content-Type: application/json
Body (for login auth):
{
"workflow_id": "<wf id for SCA biometric auth>",
"vendor_data": "<your user id>",
"callback": "https://<your-app>/auth/callback",
"metadata": {
"purpose": "login",
"session_id": "<your front-end session id>"
},
"portrait_image": "<base64 JPEG of the user's KYC enrolment selfie, ≤ 1 MB — REQUIRED for SCA's inherence factor; OMIT only if the workflow is liveness-only>"
}
Body (for payment with dynamic linking):
{
"workflow_id": "<wf id for SCA biometric auth>",
"vendor_data": "<your user id>",
"callback": "https://<your-app>/payment/callback",
"metadata": {
"purpose": "payment",
"amount": "247.50",
"currency": "EUR",
"payee_account": "ES9121000418450200051332",
"payee_name": "<merchant or recipient>",
"transaction_reference": "<your internal transaction id>"
},
"portrait_image": "<base64 JPEG of the user's KYC enrolment selfie, ≤ 1 MB — REQUIRED for SCA's inherence factor>"
}
Response: 201 Created with the hosted session URL. Push the URL to the user via deep-link / push notification / in-app sheet.
STEP 2 — User completes the biometric auth
The user sees one prompt on their phone (or via the Didit SDK in your native app). Three things happen on the same screen:
1. The amount + payee are displayed (dynamic linking — the user explicitly approves THIS amount to THIS payee for payments).
2. Passive Liveness defeats screen replay, printed photo, mask, deepfake.
3. Face Match 1:1 matches the new selfie against the enrolled KYC selfie.
Device & IP Analysis runs server-side on the session. Sub-2-second median verdict.
STEP 3 — Read the signed webhook on the auth verdict
Didit POSTs to your callback. Session statuses (Title Case With Spaces):
Body (excerpted):
{
"session_id": "<uuid>",
"vendor_data": "<your user id>",
"status": "Approved",
"liveness": { "status": "Approved" },
"face": { "status": "Approved", "similarity_score": 0.94 },
"ip_analysis": { "status": "Approved", "vpn_detected": false, "datacenter_ip": false },
"metadata_echo": {
"amount": "247.50",
"payee_account": "ES9121000418450200051332"
}
}
Status enum (exact case): Approved | Declined | In Review | Resubmitted | Expired | Not Finished | Kyc Expired | Abandoned.
Verify the X-Signature-V2 header BEFORE reading the body — HMAC SHA-256 of the raw bytes with your webhook secret.
For payments, verify that metadata_echo.amount and metadata_echo.payee_account match the values you passed in. If they do not, REJECT the payment — it's a dynamic-linking violation.
STEP 4 — Branch on verdict
Approved → unlock the action (login, payment, account change).
In Review → hold the action, route to manual review queue.
Declined → block, log the attempt, surface a friendly "try again" to the user.
Resubmitted → the user re-submitted after a soft fail (poor lighting, occlusion); proceed if the latest status is Approved.
STEP 5 — Retrieve the full decision later
GET https://verification.didit.me/v3/session/{sessionId}/decision/
Headers:
x-api-key: <your api key>
Returns the full payload: liveness verdict (iBeta Level 1 anti-spoof certified), Face Match similarity score, device fingerprint, IP geolocation, VPN / proxy / datacenter flags, 200+ fraud-signal score, dynamic-linking echo, HMAC signature.
Use this for the audit-trail surface a regulator examines on Strong Customer Authentication coverage.
STEP 6 — Step up on risk
When Device & IP Analysis surfaces a high-risk signal (new device + high-value payment, VPN/proxy on a login, geolocation jump), your workflow can step up to:
- A separate hardware-key challenge (FIDO2 / WebAuthn)
- A trusted-beneficiary whitelist confirmation
- A manual-review hold
Encode the step-up policy in the no-code Workflow Builder — no redeploy required.
WEBHOOK EVENT NAMES
- Sessions: status changes flow through the standard session webhook.
Verify X-Signature-V2 on every payload.
CONSTRAINTS
- Session statuses use Title Case With Spaces. Never UPPER_SNAKE_CASE on a session.
- Dynamic linking is REQUIRED for payments — pass amount + payee in metadata, verify the echo on the webhook.
- The enrolled selfie that backs every SCA is the one captured during the user's original KYC — no separate enrolment step.
- PSD3 / PSR exemptions (low-value remote < EUR 30, contactless point-of-sale < EUR 50, recurring identical, trusted beneficiary, Transaction Risk Analysis tiers) are configured per workflow in the Business Console.
- Default record retention is 5 years per the EU AML and payments rules.
Read the docs:
- https://docs.didit.me/sessions-api/create-session
- https://docs.didit.me/sessions-api/retrieve-session
- https://docs.didit.me/integration/webhooks
Start free at https://business.didit.me — sandbox key in 60 seconds, 500 verifications free every month, no credit card.0 $ / mois. Aucune carte de crédit requise.
Payez uniquement ce que vous utilisez. Plus de 25 modules. Tarification publique par module, sans minimum mensuel.
MSA et SLA personnalisés. Pour les gros volumes et les programmes réglementés.
Commence gratuitement → ne paie que lorsqu'une vérification est effectuée → débloque l'Enterprise pour un contrat personnalisé, un SLA ou la résidence des données.
Didit is infrastructure for identity and fraud, the platform we wished existed when we were building products ourselves: open, flexible, and developer-friendly, so it works as a real part of your stack instead of a black box you integrate around.
One API covers verifying people (KYC, know your customer), verifying businesses (KYB, know your business), screening crypto wallets (KYT, know your transaction), and monitoring transactions in real time, on a stack built to be:
The footprint underneath: 14,000+ document types in 48+ languages, 1,000+ data sources, and 200+ fraud signals on every session. The Didit infrastructure dynamically learns from every session and gets better every day.
Strong Customer Authentication (SCA) is a rule from the EU's payment-services regulation that says: when a customer logs in to their account or initiates a payment, you must verify them using at least two of three independent factor categories.
The three categories:
The two factors must come from different categories, a password plus a security question is not SCA, because both are knowledge. A password plus a fingerprint is, because they cross categories.
A third requirement, dynamic linking, says the second factor for a payment must be tied uniquely to the transaction amount and payee, so a stolen code cannot be replayed against a different transaction.
PSD3, short for Payment Services Directive 3, is the EU's 2026 rewrite of the rulebook PSD2 introduced in 2018. Alongside it sits the Payment Services Regulation (PSR) which is directly applicable across member states without national transposition.
Key changes over PSD2:
Transition is rolling, most SCA changes are expected to take effect 18 to 24 months after final adoption.
The full flow normally takes under 30 seconds end-to-end, pick up the ID, snap the document, snap the selfie, done. That is the fastest in the market. Legacy KYC providers usually take more than 90 seconds for the same flow.
On the back end, Didit returns the result in under two seconds at p99, measured from the moment the user finishes the selfie to the moment your webhook fires. Mobile capture is tuned for slow phones and slow networks: progressive image compression, lazy software development kit load, and a one-tap hand-off from desktop to phone via QR code if the user starts on web.
Need SCA by default:
Exempt (PSD3 keeps most PSD2 exemptions but tightens the thresholds):
Getting the exemption math right is the highest-leverage SCA optimisation work most teams do, applied well it drops auth friction without raising fraud.
Every session lands on one of seven clear statuses, so your code always knows what to do:
Approved, every check passed. Move the user forward.Declined, one or more checks failed. You can allow the user to resubmit the specific failed step (for example, re-take the selfie) without re-running the whole flow.In Review, flagged for compliance review. Open the case in the console, see every signal, decide approve or decline.In Progress, user is mid-flow.Not Started, link sent, user has not opened it yet. Send a reminder if it sits too long.Abandoned, user opened the link but did not finish in time. Re-engage or expire.Expired, the session link aged out. Create a new session.A signed webhook fires on every status change, so your database always stays in sync. Abandoned and declined sessions are free.
Production data is processed and stored in the European Union by default, on Amazon Web Services. Enterprise contracts can request alternative regions for jurisdictions whose regulators require it.
Encryption everywhere. AES-256 at rest across every database, object store, and backup. Transport Layer Security 1.3 in transit on every API call, webhook, and Business Console session. Biometric data is encrypted under a separate Customer Master Key.
Retention is yours to control. Default retention is indefinite (unlimited) unless you configure shorter, between 30 days and 10 years per application, and you can delete any individual session at any time from the dashboard or the API.
Certifications: SOC 2 Type 1 (Type 2 audit in progress), ISO/IEC 27001:2022, iBeta Level 1 PAD, and a public attestation from Spain''s Tesoro / SEPBLAC / CNMV that Didit''s remote identity verification is safer than verifying someone in person. Full report at /security-compliance.
Didit ships compliant by default for the regulators that matter to identity infrastructure:
Detailed memo, every certificate, every regulator letter: /security-compliance.
Three integration paths, pick whichever fits your stack:
Same dashboard, same billing, same pay-per-success price for all three. Step-by-step guide at docs.didit.me/integration/integration-prompt.
Same POST /v3/session/ API on every surface, the user-facing capture differs:
The same biometric template the user enrolled at KYC time backs every auth, no re-enrolment, no separate flow.
Yes, the same auth bundle satisfies most equivalent global rules:
One API, one auth bundle, every jurisdiction. The exemption math changes; the technical contract does not.
Every authentication produces a signed evidence record exportable from the Business Console:
Pending to Approved or Declined, with reviewer notes if escalatedAll records stored in the European Union (EU data centres), retained indefinitely while your subscription is active. Default record retention is 5 years per the EU AML and payments rules, extensible per your supervisor's guidance.
Une seule API pour le KYC, le KYB, la surveillance des transactions et le screening de portefeuilles. Intégration en 5 minutes.