# SEPA.id

Digital identity verification via bank account. Instant, secure, and GDPR-compliant KYC.

## Overview

SEPA.id is a digital identity service that verifies user identity through their bank account. By leveraging the security of online banking, we provide instant KYC (Know Your Customer) verification without the need for document uploads or video calls.

## How It Works

### 1. User Selects Bank

User chooses their bank from our secure interface (95%+ of European banks supported).

### 2. Bank Authentication

User logs in with their regular online banking credentials using Strong Customer Authentication (SCA).

### 3. Identity Verification

We verify identity from bank account data:
- **Name**: Match against provided name
- **IBAN**: Verified ownership
- **BIC**: Bank identification
- **Account Status**: Active account confirmation

### 4. Instant Confirmation

Verification complete in seconds. User identity is confirmed.

## Benefits

### For Businesses

| Benefit | Impact |
|---------|--------|
| **Instant Verification** | No waiting for document review |
| **95%+ Success Rate** | Higher conversion than manual KYC |
| **Lower Cost** | €0.50 per verification vs €5-10 manual |
| **GDPR Compliant** | EU-hosted, privacy-first |
| **Fraud Prevention** | Bank-level identity assurance |

### For Users

- **Fast**: Complete in under 2 minutes
- **Secure**: Bank-level encryption
- **Private**: No document storage
- **Convenient**: Use existing banking credentials
- **Reusable**: One verification, multiple services

## Use Cases

### Financial Services

- **Account Opening**: Verify new customers instantly
- **Payment Authorization**: High-value transaction verification
- **Credit Applications**: Identity and income verification
- **Insurance**: Policy holder verification

### E-commerce

- **Age Verification**: Restricted products (alcohol, tobacco)
- **High-Value Purchases**: Luxury goods verification
- **Marketplace Sellers**: Vendor identity verification
- **Returns Fraud**: Verify customer identity

### Sharing Economy

- **Host Verification**: Airbnb-style platforms
- **Driver Verification**: Ride-sharing services
- **Rental Platforms**: Equipment, property rentals
- **Peer-to-Peer**: Trust between users

### Professional Services

- **Legal Services**: Client verification
- **Real Estate**: Buyer/seller verification
- **Healthcare**: Patient identity (non-medical)
- **Government**: Citizen services

## Pricing

Pay-per-verification with volume discounts.

| Plan | Verifications/Month | Price per Verification |
|------|---------------------|------------------------|
| **Starter** | Up to 100 | €1.50 |
| **Growth** | Up to 1,000 | €0.99 |
| **Professional** | Up to 10,000 | €0.75 |
| **Enterprise** | Unlimited | Custom (from €0.50) |

**Features included**:
- Unlimited API calls
- Real-time verification
- Fraud detection
- Audit trail
- GDPR compliance

[Contact sales](/contact) for enterprise pricing.

## Integration

### API Example

```bash
# Initiate verification
POST /api/sepa-id/verify
{
  "customer_id": "cust_123",
  "redirect_url": "https://yoursite.com/callback"
}

# Response
{
  "verification_id": "vid_456",
  "auth_url": "https://verify.sepa.id/vid_456"
}

# Redirect user to auth_url
# After completion, webhook sent to your system
```

### Webhooks

Real-time notifications:
- `verification.initiated`
- `verification.completed`
- `verification.failed`
- `verification.expired`

### SDKs

- **JavaScript**: `npm install @sepa-id/verify`
- **Python**: `pip install sepa-id`
- **PHP**: `composer require sepa-id/client`
- **Java**: Available on Maven Central

## Security & Compliance

### Certifications

- ✅ **eIDAS Compliant** (EU digital identity regulation)
- ✅ **GDPR Compliant** (data protection)
- ✅ **PSD2 Compliant** (open banking)
- ✅ **ISO 27001** (information security)

### Data Protection

- **Minimal Data**: Only verify, don't store
- **Encryption**: End-to-end encryption
- **EU Hosting**: All data in EU
- **No Tracking**: Privacy-first design
- **User Consent**: Explicit consent required

### Fraud Prevention

- **Device Fingerprinting**: Detect suspicious devices
- **Behavioral Analysis**: Identify bot patterns
- **Velocity Checks**: Limit verification attempts
- **Blacklist**: Known fraud prevention

## Supported Countries

SEPA.id works across all SEPA countries:

- All 27 EU member states
- United Kingdom
- Switzerland, Norway, Iceland, Liechtenstein
- Monaco, San Marino, Andorra, Vatican City

**Coverage**: 36 countries, 500+ million people

## Supported Banks

95%+ of European banks supported:

| Country | Coverage | Major Banks |
|---------|----------|-------------|
| 🇦🇹 Austria | 98% | All major banks |
| 🇩🇪 Germany | 97% | All major banks |
| 🇳🇱 Netherlands | 99% | All banks |
| 🇫🇷 France | 96% | All major banks |
| 🇪🇸 Spain | 95% | All major banks |
| 🇮🇹 Italy | 94% | All major banks |
| 🇬🇷 Greece | 92% | All major banks |

## Getting Started

### 1. Sign Up

Create account at [sepa.id](/sepa-id)

### 2. Get API Keys

Access your dashboard for credentials

### 3. Integrate

Follow documentation or use pre-built plugins

### 4. Test

Use sandbox environment with test banks

### 5. Go Live

Start verifying customers instantly

## FAQ

### Is this secure?

Yes. We use the same security as online banking. No credentials are stored.

### What data do you store?

We only store verification results (yes/no). No banking credentials or personal data.

### How long does verification take?

Typically 1-2 minutes. Instant confirmation.

### What if verification fails?

User can retry with different bank. Common failures: name mismatch, inactive account.

### Can I use this for existing customers?

Yes. Verify existing customers for additional security.

### Is this GDPR compliant?

Yes. Full GDPR compliance with EU data hosting and minimal data collection.

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**Last updated**: February 28, 2026

**Get started**: [sepa.id](/sepa-id)