United Kingdom

United Kingdom eKYC verification matches submitted individual data against UK sources of truth. See the eKYC API Reference for common response semantics that apply across all sources.

Available sources

Source	API source string	Description
UK VOTER REGISTER	`UK_Voter_Register`	Verifies submitted data against the United Kingdom's Voter Register.
UK CREDIT BUREAU 1		Verifies submitted data against UK credit bureau records.

UK VOTER REGISTER

Request parameters

Parameter	Required	Description
`source`	Mandatory	Must be `UK_Voter_Register`.
`country`	Mandatory	Must be `GB`.
`firstName`	Mandatory	First name of the individual.
`middleName`	Optional	Middle name of the individual.
`surName`	Mandatory	Last name of the individual.
`street`	Optional	Street name and house number.
`city`	Optional	City of the individual's address.
`postalCode`	Optional	Postal code. Five to seven characters, letters and digits only, no special characters.
`dateOfBirth`	Optional	Format: `yyyy-mm-dd`.
`phone`	Optional	Phone number. Ten or eleven digits, most commonly eleven.
`gender`	Optional	Accepted values are `M` or `F`.

Response fields

UK VOTER REGISTER anchors verification on the source-of-truth register. See the eKYC API Reference for common match field definitions and status values.

Field	Statuses	Description
`firstNameMatch`	`exact`, `fuzzy`, `nomatch`	Matches first name submitted against the value in the source of truth.
`middleNameMatch`	`exact`, `fuzzy`, `nomatch`, `unknown`	Matches middle name submitted against the value in the source of truth.
`lastNameMatch`	`exact`, `fuzzy`, `nomatch`	Matches last name submitted against the value in the source of truth.
`fullNameMatch`	`exact`, `fuzzy`, `nomatch`	Matches full name submitted against the value in the source of truth.
`dobMatch`	`exact`, `fuzzy`, `nomatch`, `unknown`	Matches date of birth submitted against the value in the source of truth.
`genderMatch`	`exact`, `fuzzy`, `nomatch`, `unknown`	Matches gender submitted against the value in the source of truth.
`streetMatch`	`exact`, `fuzzy`, `nomatch`, `unknown`	Matches street submitted against the value in the source of truth.
`cityMatch`	`exact`, `fuzzy`, `nomatch`, `unknown`	Matches city submitted against the value in the source of truth.
`zipcodeMatch`	`exact`, `nomatch`, `unknown`	Matches postal code submitted against the value in the source of truth.
`addressMatch`	`exact`, `fuzzy`, `nomatch`	Matches full address submitted against the value in the source of truth.
`phoneMatch`	`exact`, `fuzzy`, `nomatch`, `unknown`	Matches phone submitted against the value in the source of truth.
`overallLevel`	`low`, `medium`, `high`	Overall risk level. See below for calculation logic.

overallLevel calculation

overallLevel is calculated based on the risk associated with the submitted full name and address:

low when fullNameMatch is a match AND (addressMatch is a match OR addressMatch is fuzzy).
high when fullNameMatch and addressMatch are both nomatch.
medium for all other combinations.

Contact your Incode representative to customize the overallLevel calculation for your use case.

Sample response

{
    "kyc": [
        { "key": "firstNameMatch", "status": "exact" },
        { "key": "middleNameMatch", "status": "exact" },
        { "key": "lastNameMatch", "status": "fuzzy" },
        { "key": "fullNameMatch", "status": "fuzzy" },
        { "key": "dobMatch", "status": "exact" },
        { "key": "genderMatch", "status": "exact" },
        { "key": "phoneMatch", "status": "exact" },
        { "key": "streetMatch", "status": "exact" },
        { "key": "cityMatch", "status": "exact" },
        { "key": "zipcodeMatch", "status": "exact" },
        { "key": "addressMatch", "status": "exact" },
        { "key": "overallLevel", "status": "low" }
    ]
}

UK CREDIT BUREAU 1

Documentation for this source is forthcoming. Contact your Incode representative for details in the meantime.