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每月 $0。无需信用卡。
- 免费 KYC 套件(身份验证 + 被动活体检测 + 人脸匹配 + 设备与 IP 分析), 每月 500 次,永久有效
- 黑名单用户
- 重复检测
- 每次会话 200+ 欺诈信号
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- 工作流构建器
- 公开文档、沙盒、SDK、MCP(模型上下文协议)服务器
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全球2,000多家组织信赖。

BNPL 的责任
BNPL 计划并非一次性决策,而是一个连续过程。Didit 在结账时对借款人进行承保, 将每笔分期付款记录到 Transactions API,并在计划的整个生命周期内自动 重新筛查制裁或 PEP(政治公众人物)命中。申请时 $0.33,每期 $0.02, 包含持续的 AML。每月免费 500 次验证。
选择您需要的检查项, 身份、活体、人脸匹配、制裁、地址、年龄、电话、电子邮件、自定义问题。将它们拖入仪表盘中的流程,或将相同的流程发布到我们的 API。根据条件进行分支,运行 A/B 测试,无需代码。
通过我们的 Web、iOS、Android、React Native 或 Flutter SDK 进行原生嵌入。重定向到托管页面。或者直接通过电子邮件、短信、WhatsApp 等任何方式向用户发送链接。选择适合您技术栈的方式。
Didit 负责托管摄像头、灯光提示、移动设备切换和辅助功能。当用户在流程中时,我们实时评估 200 多个欺诈信号,并根据权威数据源验证每个字段。两秒内即可获得结果。
实时签名 Webhook 可在用户获批、拒绝或发送审核时立即同步您的数据库。按需轮询 API。或者打开控制台,检查每个会话、每个信号,并按您的方式管理案例。
Didit · BNPL onboarding
Step 3 / 5
Verify your identity
Didit · Device + IP
Didit · Ongoing AML + TM
Didit · Underwriting audit
Borrower
Underwriting
Didit · FPD signals
Didit · Cross-border BNPL
$ curl -X POST https://verification.didit.me/v3/session/ \
-H "x-api-key: $DIDIT_API_KEY" \
-d '{
"workflow_id": "wf_bnpl_apply",
"vendor_data": "borrower-42",
"metadata": { "plan_id": "plan-9182" }
}'status: Approved 之前,暂停该计划。文档 →$ curl -X POST https://verification.didit.me/v3/transactions/ \
-H "x-api-key: $DIDIT_API_KEY" \
-d '{
"transaction_id": "plan-9182-inst-1",
"transaction_details": { "direction": "INBOUND", "amount": "125.00", "currency": "GBP", "currency_kind": "fiat" },
"subject": { "vendor_data": "borrower-42", "full_name": “Jamie Example” },
“交易对手”: { “full_name”: “Merchant Ltd” }
}'You are integrating Didit into a Buy-Now-Pay-Later (BNPL) checkout flow — Klarna / Affirm / Clearpay / Tabby / Tamara / Kueski archetype. The recipe handles three obligations on every BNPL plan:
1. Verify the borrower at checkout — identity, liveness, face match, device + IP, AML against 1,300+ sanctions / PEP / adverse-media lists. ONE call to the Sessions API.
2. Log every instalment charge — Transaction Monitoring catches velocity, structuring, and chargeback patterns. ONE call to the Transactions API per instalment.
3. Continuous AML — the borrower is rescreened automatically across the lifetime of the plan. NO separate endpoint to call.
Cost:
- Borrower Know Your Customer (KYC) bundle: $0.33 per application (Sessions API)
- Transaction monitoring per instalment charge: $0.02 (Transactions API)
- Ongoing AML monitoring: $0.07 per user per year (automatic on any session with AML enabled)
- First 500 verifications free every month, forever
PRE-REQUISITES
- Production API key from https://business.didit.me (sandbox key in 60s, no card).
- Webhook endpoint with HMAC SHA-256 verification using the X-Signature-V2 header and your webhook secret.
- A workflow_id from the Workflow Builder that bundles ID Verification + Passive Liveness + Face Match 1:1 + Device & IP Analysis + AML Screening.
- Transaction Monitoring enabled in the Business Console (Transactions > Settings).
STEP 1 — Underwrite the borrower at checkout
POST https://verification.didit.me/v3/session/
Headers:
x-api-key: <your api key>
Content-Type: application/json
Body:
{
"workflow_id": "<wf id with KYC + AML bundle>",
"vendor_data": "<your borrower id, max 256 chars>",
"callback": "https://<your-app>/bnpl/apply/callback",
"metadata": {
"purpose": "bnpl_application",
"plan_id": "<your internal plan reference>",
"merchant_id": "<merchant id>",
"principal_amount": "500.00",
"currency": "GBP"
}
}
Response: 201 Created with the hosted session URL. Embed the URL inline in the BNPL widget at checkout. Sub-2-second median verdict on completion.
STEP 2 — Read the signed webhook on application completion
Didit POSTs to your callback. Session statuses are Title Case With Spaces:
Body (excerpted):
{
"session_id": "<uuid>",
"vendor_data": "<your borrower id>",
"status": "Approved",
"id_verification": { "status": "Approved" },
"liveness": { "status": "Approved" },
"face": { "status": "Approved", "similarity_score": 0.94 },
"ip_analysis": { "status": "Approved" },
"aml": { "status": "Approved", "hits": [] }
}
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.
On Approved + clean AML + acceptable Device & IP, approve the plan and schedule the instalments. On Declined or AML hit, decline. On In Review or AWAITING_USER, hold the plan and route to your underwriting analyst queue.
STEP 3 — Log every instalment charge
POST https://verification.didit.me/v3/transactions/
Headers:
x-api-key: <your api key>
Content-Type: application/json
Body (required fields verified live 2026-05-16):
{
"transaction_id": "<plan-id>-instalment-1",
"transaction_category": "finance",
"transaction_details": {
"direction": "INBOUND",
"amount": "125.00",
"currency": "GBP",
"currency_kind": "fiat",
"action_type": "deposit"
},
"subject": {
"entity_type": "individual",
"vendor_data": "<your borrower id>",
"full_name": "<borrower full name>"
},
"counterparty": {
"entity_type": "individual",
"full_name": "<merchant or BNPL settlement counterparty>"
}
}
REQUIRED fields the API rejects if missing:
- subject.vendor_data + subject.full_name
- counterparty.full_name
- transaction_details.direction + currency + currency_kind + amount
Response shape (excerpted from a real successful 201):
{
"uuid": "<server transaction uuid>",
"txn_id": "<your transaction_id echoed back>",
"status": "APPROVED",
"score": 0,
"severity": null,
"cost_breakdown": {
"total_price": 0.02,
"items": [{ "usage_type": "transaction_monitoring", "price": 0.02 }]
}
}
Transaction status enum (exact case, UPPER_SNAKE_CASE): APPROVED | IN_REVIEW | DECLINED | AWAITING_USER.
When a transaction enters AWAITING_USER, Didit creates a linked remediation session automatically and returns a verification URL on the response.
Per-instalment cost: $0.02 (transaction-monitoring base).
Branch logic:
APPROVED → charge the card / pull the bank transfer.
IN_REVIEW → hold the instalment, route to analyst queue.
DECLINED → hard-fail the instalment, mark the plan delinquent.
AWAITING_USER → redirect the borrower to the remediation session URL.
STEP 4 — Continuous AML monitoring is automatic
Any session with AML enabled is rescreened DAILY by Didit's continuous monitoring at $0.07 per user per year. There is NO separate endpoint to call.
When a previously-approved borrower crosses an AML threshold, the session status changes to "In Review" or "Declined" automatically and your webhook fires the update. Hold the remaining instalments and route the case to your collections / fraud team.
STEP 5 — Returning borrowers re-use the verified identity
When a borrower comes back for a second plan, open a new session against their existing vendor_data — Didit reuses the previously verified document and face match where policy allows, and you avoid paying for the full bundle again. Pair with Reusable KYC for the lightest path.
WEBHOOK EVENT NAMES
- Sessions: status changes flow through the standard session webhook.
- Transactions: transaction.created · transaction.updated · transaction.status.changed · transaction.alert.generated.
- Verify X-Signature-V2 on every payload.
CONSTRAINTS
- Session statuses use Title Case With Spaces (Approved, In Review). Transaction statuses use UPPER_SNAKE_CASE (APPROVED, IN_REVIEW). They live in different APIs — don't mix them in the same code path.
- Never approve a BNPL plan before the X-Signature-V2 webhook lands with status Approved + AML clear.
- 200+ fraud signals are evaluated on every session at no extra cost — surface the score via the session decision payload, don't re-query.
- Default record retention is 5 years post-relationship per the EU AML package; UK FCA rules and similar national rules sit on top.
Read the docs:
- https://docs.didit.me/sessions-api/create-session
- https://docs.didit.me/transaction-monitoring/overview
- https://docs.didit.me/transaction-monitoring/transactions
- https://docs.didit.me/core-technology/aml-screening/continuous-monitoring-aml-screening
- 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.每月 $0。无需信用卡。
按实际用量付费。25+模块。公开的模块定价,无每月最低费用。
定制MSA和SLA。适用于大批量和受监管项目。
免费开始 → 仅在检查运行时付费 → 解锁企业版以获取定制合约、SLA 或数据驻留。
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.
BNPL lets a shopper take goods home today and pay for them in instalments, typically four payments over six weeks, sometimes longer plans with interest.
The industry shape:
The regulatory shift: BNPL used to sit in a soft-touch consumer-credit grey zone. As of 2025-2026, the UK FCA (Financial Conduct Authority) brings BNPL under formal regulation, the EU Consumer Credit Directive II (CCD II) extends to BNPL, and US state lenders apply existing licensing law. The compliance bar is now: real ID, real underwriting, real monitoring, real audit pack.
Because BNPL extends credit, not just processes a card.
Real identity verification (ID + face + AML) cuts first-payment default (FPD) at the source. The shopper presents a real document and a real face; Didit binds the application to a single human, not just a token.
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.
Not anymore. The regulatory map circa 2026:
The shape of the compliance bar is the same in every region: verify the borrower, screen for sanctions and PEPs, monitor across the plan, keep a 5+ year audit trail. Didit ships that bar globally.
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.
Every borrower produces an exportable pack:
borrower_pid, your pseudonymous borrower idkyc_status, Approved / Declined / In Review (Title Case With Spaces)aml_status, Clear / Hit / Manual reviewdevice_risk, score + top contributing signalsplan_parameters, instalment count, total amount, currency, merchant idsignature, X-Signature-V2 HMAC SHA-256Pipe to your collections + compliance systems and to your regulator-facing reporting layer. Default retention is 5 years post-relationship per the EU AML package; the UK FCA's BNPL rules will sit on top. Aligned with SOC 2 Type 1, ISO/IEC 27001, and the General Data Protection Regulation, all of which Didit holds.
Yes. The same /v3/ API covers every market:
One contract, one API key, one Workflow Builder. Per-region rules tuned per workflow, Didit handles 14,000+ document types across 220+ countries, sub-2-second verdict on entry-level Android, 48+ languages in the hosted UI.
Four wires, one afternoon:
business.didit.me, sandbox key in 60 seconds, no credit cardPOST /v3/session/ to the apply step + the signed webhook to your decision enginePOST /v3/transactions/ to every instalment charge + handle the four-value status enumThe Didit MCP (Model Context Protocol) server is included free, paste the integration prompt above into Claude Code, Cursor, Codex, Replit Agent, Devin, or Aider and the agent scaffolds the whole thing against the live /v3/ API.