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Industry Buy Now Pay Later

Let your customers pay later with confidence

Contact Sales

Allowing customers to pay later can expose your business to risk

Reliance on credit checks

An over dependence on credit bureaus to reconcile the identity of a shopper to his or her credit history can be a slow process that is prone to mistakes.

Account takeover fraud

Loyal and long term users have better rates and credit limits. Fraudsters attempt to take over these high value accounts to access the benefits associated with them.

Bad actors defaulting on payments

Some users create accounts with dubious details to make purchases with no intention of paying. This leads to high losses for players in the industry resulting in higher merchant costs.

Our Solutions

With one integration Smile Identity can help

Instantaneous verification

With Smile Identity, Buy Now Pay Later providers can instantly verify the identity of the consumers during onboarding without the need to rely on inconsistent or incomplete credit records.

Biometric authentication

Passwords and text-based authentication can be easily intercepted or forged. Buy Now Pay Later platforms who include a biometric component to validating identity have seen their fraud losses reduced to under 1% of global sales.

Real-time authentication

With Smile Identity's SmartSelfieTM , product users can register and reuse a stored selfie for authentication in key stages of a transaction.

  • Basic KYC

    Verify that the personal information submitted by your users matches what is stored in the ID authority database. We return a value of match, partial match, or no match.

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  • Enhanced KYC

    We query a user’s identity information at an official ID authority, using their ID number, and returns that information.

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  • Biometric KYC

    We match a user-submitted selfie to the photo on file in an ID authority database, so you can be sure that your users are who they say they are.

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  • SmartSelfie™ Authentication

    We authenticate your users with our innovative facial verification technology which combines face matching, liveness and spoof checks, all with a high rate of accuracy.

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  • Document Verification

    We verify the authenticity of 142 IDs across 100 countries to validate the identity of your customers.

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  • Business Verification

    Directly access government business registries in Nigeria, Kenya and South Africa in real-time.

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Smile Identity enables us to onboard customers more securely, mitigating fraud risks and allowing for a more confident business growth

Irshad Muttur

Irshad Muttur

Chief Operating Officer, Aspira

Find out how you can start verifying your users in under 4 seconds.

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