eKYC

Opening an account, signing up for a service or signing a contract all start with the same question: is this person really who they say they are? Traditionally, the answer meant a trip to a branch, a staff member checking an ID card by eye and typing every field by hand. That process is slow, error-prone and hard to scale — and it simply does not work for online channels.

VPLUS eKYC digitises the entire identification step. Customers photograph their ID card or passport and record their face with a phone; the platform reads the document with OCR, matches the face against the ID photo and runs a liveness check to stop spoofing with photos, videos or masks. eKYC runs on the web, in mobile apps or at kiosks and plugs into existing systems through an API, serving payments, account opening, recruitment, public services and businesses.

System overview

VPLUS eKYC is built as an identification flow you can embed in a mobile app, a website or a device at the service counter. Each session follows these steps:

1. Capture the document. The customer photographs the front and back of their ID, guided by on-screen prompts.
2. Extract the data. OCR reads the fields on the document and turns them into structured data, ready to pre-fill your forms.
3. Check liveness. The customer records a short face capture; the system confirms a real, present person rather than a printed photo, a screen or a mask.
4. Match the face. The selfie is compared with the ID photo and a similarity score is returned.
5. Decide. Records that meet your threshold are approved automatically; unclear cases go to a manual review queue. The outcome is returned to your system through the API.

Key capabilities

ID document OCR

Instead of typing names, dates of birth, document numbers and addresses, OCR extracts them automatically from the captured images. The data is normalised and dropped straight into your sign-up form, so customers only need to confirm rather than enter every character. You save time and remove input errors at the source.

Face matching

The platform compares a live selfie with the photo on the ID and returns a similarity score. You can set acceptance thresholds to suit the risk of each transaction type — stricter for high-value contracts, more flexible for basic service sign-ups.

Liveness detection

Face matching only means something if the person in front of the camera is real. The liveness layer analyses motion and image characteristics to detect common spoofing attempts such as printed photos, photos or videos replayed on a screen, and masks. It is an essential line of defence against identity fraud in online channels.

Flexible SDKs and APIs

VPLUS eKYC provides SDKs for mobile apps and APIs for websites and internal systems. You keep your own interface and brand while using the full processing capability behind it. The same identification flow can serve your app, your website and your counters, giving customers a consistent experience everywhere.

Review and reporting

Not every case is clear-cut. Records that fall below the automatic threshold go to a review queue, where staff see the document images, the selfie and the result of each step before making the final call. A dashboard summarises volume, automatic pass rate and pending reviews, so managers can see how operations are performing day by day.

Data protection

Identity data is sensitive by nature. VPLUS eKYC encrypts it, grants access by role and logs every view or action on a record, so you stay firmly in control of who can reach customer information.

Business benefits

• Fast onboarding: customers complete verification in minutes on their own device.
• Online growth: open accounts, activate services and sign contracts remotely, no branch visit required.
• Less fraud: face matching and liveness detection work together to stop identity spoofing.
• Less manual work: OCR replaces data entry, and staff focus only on records that need review.
• Consistent experience: one identification flow shared across app, web and counter.
• Support for internal controls: records, outcomes and action history are stored systematically and easy to look up.

Use cases

Finance & insurance

An insurer wants customers to buy policies entirely online. In the app, the customer captures their ID, records a face check and gets an identification result straight away; their personal details are pre-filled into the policy application. Underwriters only look at the records the system flags.

Telecom & services

A service provider must identify subscribers before activation. At retail points, staff run the eKYC flow on a tablet; online, customers complete it themselves on the website. Both channels share the same process and the same record store.

Digital businesses

A digital marketplace wants to verify sellers before they can receive payments. eKYC is built into the sign-up step, cutting down fake accounts from day one. Combined with Payment, the business gets a seamless path from identification to transaction.

Deployment & security

VPLUS eKYC runs on the VPLUS multi-tenant platform, and thresholds, steps and interface can be tailored to each business. For more specialised image-recognition needs, your team can extend it with AI Solutions.

• Tenant isolation: each customer’s records are kept separate on the platform.
• Role-based permissions: only authorised staff can view document images and selfies.
• Encryption: data is encrypted in transit and at rest.
• Access logs: every view, review and export is recorded.

Try it on the real system

See a complete identification session for yourself. Register for a trial account to run the document capture, liveness check and face match flow, then watch the record appear on the dashboard.