I-KYC esingathwa kwi-intanethi
Ukuqinisekiswa kwesazisi okubanjwe yi-Noxtica
Amashishini asebenzisa i-Noxtica ukuqinisekisa izazisi zabathengi bawo ngqo kwisikhangeli — akukho mfuneko yokufaka usetyenziso.
Isigqibo sesakho. Sikunika ubungqina.
- Akukho app yokuyifaka
- Ii-webhook ezisayiniweyo kunye ne-status API
- Indlela yokuphononongwa ngumntu
- Yenzelwe ukuba iqela lakho lenze isigqibo
Isishwankathelo semveliso ku-noxtica.comNgena kwi-Backoffice
Iitshekhi zesazisi abathengi bakho abazigqiba kwisikhangeli
INoxtica ibamba lonke uhambo lomthengi: isikhokelo sekhamera, ukufotwa koxwebhu neselfie, inyathelo lokuqinisekisa umntu ophilayo, nesikrini sesiphumo. Iseva yakho idala iseshoni ize ifunde isiphumo. Umthengi wakho akaze aphume kwisikhangeli.
Akukho app, akukho kuphazamiseka
Umthengi uvula ikhonkco kwifowuni okanye kwikhompyutha. Akukho nto yokuyifaka, kwaye umntu osebenzisa ikhompyutha angaqhubekeka kwifowuni esebenzisa ikhowudi ye-QR.
Iqela lakho lenza isigqibo
Iitshekhi zoxwebhu, zobuso nezokuqinisekisa umntu ophilayo zivelisa imiqondiso ezenzekelayo enezizathu. Umntu kumbutho wakho uyayiphonononga. INoxtica ayivumeli mntu ngokuzenzekelayo.
Iifoto azidluli kwiiseva zakho
Iphepha elibanjwe kwiwebhu liqokelela ubungqina lize libufake buvaliwe. Iseva yakho ayize ifumane iimpendulo zomthengi okanye iifoto ngqo.
Ityala ngalinye linokuphicothwa
Ukuqinisekiswa ngakunye kugcina izizathu zako, irekhodi lophononongo elinolawulo lweenguqulelo, kunye nongeno lophicotho kwisigqibo ngasinye kwi-Backoffice yakho.
Umdibaniso omnye, iindlela ezimbini zokuqalisa
Dala iiseshoni kwiseva yakho usebenzisa i-API, okanye uthumele izimemo ezisetyenziswa kube kanye kwi-Backoffice ngaphandle kokubhala ikhowudi.
Ilungiselelwa wena
Ukuqinisekiswa kwesazisi kulungiselelwa umqeshi ngamnye phantsi kokufumaneka okulawulwayo. Iqela lakho leakhawunti liqinisekisa ukuba yintoni esebenzayo kumbutho wakho nakwigunya lomthetho osebenza phantsi kwalo.
Ukusuka kwifowuni ye-API ukuya kwisiphumo
Yonke le nkqubo inamanyathelo asibhozo. Iseva yakho iyayiqalisa ize iyigqibe. Amanyathelo omthengi enzeka kwiphepha elibanjwe yiNoxtica.
Dala iseshoni
Iseva yakho ibiza i-sessions API isebenzisa isalathisi somthengi esingacacisi nto ngawe. Impendulo iqulethe i-ID yeseshoni nekhonkco elisetyenziswa kube kanye.
Thumela ikhonkco
Thumela umthengi kwelo khonkco, livule kwithebhu entsha, ulithumele nge-imeyile okanye ngomyalezo, okanye ulibonise njengekhowudi ye-QR.
Tshintshela kwifowuni xa kuyimfuneko
Kwikhompyutha, iphepha elibanjwe kwiwebhu linika ikhowudi ye-QR nendlela yokukopa ikhonkco, ukuze umthengi aqhubeke esebenzisa ikhamera yefowuni.
Fota uxwebhu
Isikhokelo sekhamera esisebenzayo sinceda ngokubengezela kokukhanya, ukufiphala, ukuthambeka nomgama. Icala elingaphambili liyafotwa; nelingasemva lifotwa xa olo hlobo loxwebhu lunalo.
Fota i-selfie
I-selfie ekhokelwayo iyafotwa ukuze ithelekiswe nobuso obukwifoto yoxwebhu.
Gqiba inyathelo lokuqinisekisa umntu ophilayo
Kulandelelwano olufutshane olukhokelwayo, umthengi ushukumisa intloko aze aqhwanyaze. Iifreyimu zitshekishwa kwakhona kwiseva.
Phonononga
INoxtica iqhuba oko kuthunyelweyo. Iifoto ezigqityiweyo zilinda kumgca wophononongo kwi-Backoffice yakho de umntu kumbutho wakho abhale isigqibo.
Funda isiphumo
Iseva yakho ifunda imeko yeseshoni, okanye ifumana isiganeko esisayiniweyo ize ifunde imeko. Thatha inyathelo ngokwemeko ebuyiswa lufundo.
Indawo eya kuyo idatha
Iindlela ezimbini ezahlukileyo: iseva yakho inxibelelana neNoxtica API isebenzisa isitshixo seseva, kanti umthengi usebenzisa ikhonkco elisetyenziswa kube kanye ukuthetha nephepha elibanjwe kwiwebhu. Ubungqina busuka kwisikhangeli somthengi buye kuNoxtica. Abudluli kwiiseva zakho.
Oko kubonwa ngumthengi wakho
Ezi zikrini zivela kwinkqubo ebanjwe kwiwebhu, kusetyenziswa uxwebhu lwesampuli nobuso bokwenziwa. Akukho mntu wokwenene okanye xwebhu lwesazisi lokwenene luboniswa kweli phepha.
Ishishini, injongo neqhosha lokuqalisa elicacileyo. 
Isaziso sabucala ngaphambi kokuba kufotwe nantoni na. 
Umthengi ukhetha uhlobo loxwebhu nelizwe elilukhuphileyo. 
Isikhokelo esisebenzayo kwikhadi lesampuli lokwenziwa. 
I-selfie ekhokelwayo, eboniswe ngobuso bokwenziwa. 
Ulandelelwano olufutshane olukhokelwayo lokuqinisekisa umntu ophilayo. 
Isikrini sesiphumo: kusaphononongwa, akukavunywa.
Ifumaneka ngeelwimi eziyi-36
Iphepha livuleka ngolwimi lwesixhobo somntu, yaye libonisa iilayawuthi ezisuka ekunene ziye ekhohlo zesiArabhu, isiPersi nesiHebhere. Kukwakho nemixholo ekhanyayo, emnyama neyahlula imibala ngokucacileyo, iilebhile zabafundi besikrini, inkxaso yekhibhodi nokuncitshiswa kwentshukumo.
Amaxwebhu namazwe axhaswayo
- Ipaspoti
- Ikhadi lesazisi lesizwe
- Iphepha-mvume lokuqhuba
- Iphepha-mvume lokuhlala
Ukhetha ukuba zeziphi kwezi ntlobo zine zamaxwebhu ezamkelwayo kuqinisekiso ngalunye. Ipaspoti ifotwa kwiphepha layo elinedatha. Ezinye ezintathu zifotwa ngaphambili nangasemva.
Amazwe akhupha amaxwebhu amiselwa kwiakhawunti nganye; awadweliswanga kuluhlu lukawonke-wonke oluzinzileyo, kwaye umthengi ubona amagama amazwe ngolwimi lwakhe. Buza ngamalike owasebenzelayo ngaphambi kokuba uthembise abathengi bakho ukuba ayaxhaswa.
Amanyathelo ongezelelweyo okuzikhethela asebenza kuphela xa evulelwe umbutho wakho.
Oko kujongwa ziitshekhi
Itshekhi nganye engezantsi ivelisa ubungqina bomphononongi wakho nemithetho yakho yomngcipheko. Akukho nanye kuzo eyisigqibo.
Iitshekhi zoxwebhu
Uxwebhu luyafundwa, uhlobo lwalo luyahlelwa, kuze kuqinisekiswe indawo efundwa ngumatshini xa uxwebhu lunayo. Kujongwa iimpawu zokuba umfanekiso uthathwe kwakhona kwisikrini okanye uprintwe, kuze kucelwe ukuba kuphinde kufotwe xa ifoto ingabonisi xwebhu lwesazisi.
Ukuthelekisa ubuso
Ifoto yobuso ekuxwebhu ithelekiswa ne-selfie. Ukungafani kakuhle bubungqina bomphononongi. Akusosizathu sokungamamkeli umntu ngokuzenzekelayo.
Ukuqinisekisa umntu ophilayo
Ulandelelwano olukhokelwayo lokushukumisa intloko nokuqhwanyaza lubonisa ukuba intshukumo ebiceliwe yenzekile. Iifreyimu zitshekishwa kwakhona kwiseva, kwaye isikhangeli sinokwenza isiphumo sibe sibi kuphela; asinakulungisa itshekhi engaphumelelanga.
Iimpawu zohlaselo lokubonisa
Ukubhaqwa kohlaselo lokubonisa kunika isalathiso kuphela. INoxtica ibika isiphumo salo, kodwa ayiluvumeli lwenze isigqibo. Amanqaku alulwazi, akasiso isigwebo sokuba umntu uphilayo okanye kusetyenziswe inkohliso, yaye ityala lihlala liphononongwa.
Akukho kuvuma kuzenzekelayo ngokupheleleyo
INoxtica ayize iguqule iziphumo zeetshekhi zibe sisigqibo sokuvuma. Ukuqhutywa okuzenzekelayo kuphela ityala lisalindele umntu kumbutho wakho.
Yi-completed kuphela ethetha ukuvuma. Zithathe zonke ezinye iimeko njengokungavunywa de ufunde imeko yamva.
Akukho siphumo setshekhi, nokuba sihle kangakanani, esinokuqinisekisa ukuqinisekiswa okusingathwe kwiwebhu sisodwa.
Musa ukungamamkeli umntu ngokuzenzekelayo ngexesha lophononongo. Uphononongo luthetha ukuba impendulo ayiqinisekanga; umntu kufuneka ajonge.
Iimeko ezinokufundwa yiseva yakho
pending- Iseshoni ikhona, kodwa ikhonkco alikavulwa.
opened- Umthengi uvule ikhonkco.
verifying- Oko kuthunyelweyo kuyasetyenzwa.
review_pending- Ukuqhubekeka kugqityiwe, yaye isigqibo siyafuneka kumgca wophononongo lwe-Backoffice yakho. Oku akuthethi ukungavumi okanye ukuvuma.
completed- Isigqibo sivumile iseshoni.
unverified- Ukuqhubekeka kugqityiwe ngesiphumo esingavumiyo.
error- Ukuqhubekeka akukwazanga ukugqitywa ngenxa yempazamo okanye ukwala.
expired- Ikhonkco liphelelwe lixesha okanye ixesha lokugqiba liphelile.
Abaphononongi bakho
Iifoto ezigqityiweyo zilinda kumgca wophononongo lwe-KYC kwi-Backoffice. Umlawuli ukhetha uVuma okanye i-Override; nokuba kukuphi, kugqiba iseshoni. Ukubhala ukuba ityala lithunyelwe kwinqanaba eliphezulu akuyitshintshi imeko yalo. Izigqibo zifuna indima yomlawuli netshekhi yokuqinisekisa kwinqanaba elongezelelweyo, yaye ngasinye sidala irekhodi lophononongo elinolawulo lweenguqulelo nongeno lophicotho.
Eyabaphuhlisi
Iifowuni ezimbini nesiganeko esinye. Yonke into engezantsi yeyokwenziwa: isitshixo, ii-ID nesalathisi somthengi yimizekelo.
curl -X POST https://collect.noxtica.com/v1/kyc/sessions \
-H "Authorization: Bearer sk_prod_EXAMPLE_NOT_A_REAL_KEY" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: 7d9e2c64-example-0001" \
-d '{
"subjectRef": "cust_4821",
"purpose": "Open your account",
"returnUrl": "https://merchant.example.com/kyc/return"
}'{
"ok": true,
"sessionId": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
"url": "https://verify.noxtica.com/s/<one-time-token>",
"expiresAt": 1790762445000,
"requestId": "req-example"
}curl https://collect.noxtica.com/v1/kyc/sessions/3fa85f64-5717-4562-b3fc-2c963f66afa6 \
-H "Authorization: Bearer sk_prod_EXAMPLE_NOT_A_REAL_KEY"
# { "ok": true, "session": { "status": "review_pending", ... } }POST /your/webhook (headers: X-Noxtica-Signature, X-Noxtica-Timestamp,
X-Noxtica-Event, X-Noxtica-Delivery)
{
"id": "3fa85f64-5717-4562-b3fc-2c963f66afa6:wh_example",
"type": "kyc.session.completed",
"created_at": 1790762445000,
"tenant_id": "t_example",
"data": {
"schemaVersion": "1",
"sessionId": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
"status": "completed",
"verificationId": "9b1c4e52-example-verification",
"reasonCodes": [],
"occurredAt": 1790762445000,
"deliveryId": "3fa85f64-5717-4562-b3fc-2c963f66afa6:wh_example"
}
}import { createHmac, timingSafeEqual } from 'node:crypto';
// HMAC-SHA256 over `${timestamp}.${rawBody}`, sent as "sha256=<hex>".
export function isValid(secret, timestamp, rawBody, header) {
const expected = 'sha256=' + createHmac('sha256', secret)
.update(`${timestamp}.${rawBody}`).digest('hex');
const a = Buffer.from(expected);
const b = Buffer.from(header);
return a.length === b.length && timingSafeEqual(a, b);
}Kuhle ukwazi
- Thumela iheader ye-Idempotency-Key; xa uphinda isicelo, ubuya ufumane iseshoni efanayo ngaphandle kokuphinda uboniswe ikhonkco.
- Isiganeko esisayiniweyo sisaziso, asilogunya lokwenza isigqibo. Siqinisekise, bhala i-ID yokuthunyelwa, uze ufunde imeko yeseshoni uze uthathe inyathelo ngokwaloo meko.
- Iziganeko azize ziqulathe isalathisi somthengi wakho, igama okanye ixabiso loxwebhu.
- Ikhonkco lokubuya kufuneka lisebenzise ihosti ebhaliselwe umbutho wakho. Funda imeko emva kwexesha elandayo, kuba kukho imida yamazinga ezicelo.
Ukukhuselwa kwedatha
Oku kulandelayo kuchaza indlela imveliso esebenza ngayo ngoku, ngokwamaxwebhu oluntu. Ngemigaqo esemthethweni funda umgaqo-nkqubo wabucala, isihlomelo sokusetyenzwa kwedatha noluhlu lwababoneleli beenkonzo abancedisayo.
Imvume kuqala
Ngaphambi kokuvula ikhamera, iphepha elibanjwe kwiwebhu libonisa isaziso sabucala esinegama leshishini lakho, injongo nekhonkco lakho labucala. Umntu ogunyazisiweyo kumbutho wakho ubhala isiseko esisemthethweni kuqala; de sibhalwe, ukudala iseshoni kuyaliwa.
Ivalwa kwisikhangeli
Iifoto neefreyimu zevidiyo zifihlwa ngokuntsonkotha kwisikhangeli somthengi ngaphambi kokufakwa, yaye zisetyenziselwa olo qinisekiso kuphela. Imidiya yoqobo ihlala ivaliwe kwi-Backoffice.
Yahlulwe ngokomqeshi
Iseshoni nganye nofundo ngalunye lolombutho omnye. Ufundo lwemeko yeseshoni eyeyomnye umbutho lubuyisa ukuba ayifumanekanga, kanye njengokuba i-ID ingaziwa.
Ukufikelela kubungqina okulawulwayo
Ngabalawuli kuphela abavula ubungqina bokuqala; ukuvulwa ngakunye kufuna itshekhi yokuqinisekisa kwinqanaba elongezelelweyo yaye kuyaphicothwa. Umbono uyathintelwa ukuba ungeno lophicotho alunakubhalwa. Ezinye iindima zibona iziphumo neemilinganiselo, hayi ezokuqala.
Akukho datha yobuqu kwiziganeko
Iziganeko ze-webhook ziqulathe ii-ID, iimeko neekhowudi zezizathu. Azinawo amagama, amaxabiso amaxwebhu okanye isalathisi somthengi wakho.
Amakhonkco aphelelwa kungekudala
Ikhonkco elingazange livulwe liphelelwa kunye neseshoni yalo. Emva kokuba umthengi elivule okokuqala, ixesha lokugqiba lilinganiselwe, yaye iseshoni elindele ukuphononongwa ayiphelelwa ngoxa isalindile.
Ukugcinwa nokucinywa
INoxtica ayizicimi ngokuzenzekelayo iinkcukacha zokuqinisekiswa kwe-KYC okanye ubungqina, kwaye ayimiseli umhla wokuzicima. Zihlala kumqeshi wakho de umlawuli womqeshi azicime.
Umlawuli ucima ukuqinisekiswa kwi-Backoffice enesizathu, isiqinisekiso esichwetheziweyo netshekhi yokuqinisekisa kwinqanaba elongezelelweyo. Ukucima kususa ukuqinisekiswa, iiseshoni zako, iifayile zobungqina neerekhodi, kunye nezigqibo zophononongo. Akunakubuyiselwa emva. Iirekhodi zokusetyenziswa kwentlawulo, iirisithi zesiseko esisemthethweni, isalathisi somthengi esingacacisi nto ngawe nembali yophicotho ziyahlala. Akukho sitshixo seseva se-API esinokucima ukuqinisekiswa.
Ukucinywa kwedatha yomntu kuqaliswa njengesicelo kwi-Backoffice: umlawuli owahlukileyo uyasivuma, isithintelo sokugcinwa ngenxa yomthetho siyasithintela, into nganye ishiya irisithi, yaye isiganeko esisayiniweyo sibika isiphumo ngaphandle kwe-ID yomntu ochaphazelekayo.
Nguwe onoxanduva lwezaziso, iimvume nesiseko esisemthethweni sokuqokelela ubungqina besazisi kubathengi bakho kwigunya ngalinye lomthetho osebenza phantsi kwalo. INoxtica ayiyiyo i-arhente yokunika iingxelo zabathengi. Musa ukusebenzisa iziphumo xa kusenziwa izigqibo zokufaneleka kwityala lemali, kwi-inshorensi, emsebenzini okanye kwizindlu.
Ngaphandle kwabantu ngabanye: ukuqinisekiswa kwamashishini nabathengisi
Ukuqinisekiswa kwamashishini (KYB) nokwamkelwa kwabathengisi (KYM). Kuyafumaneka. Kuvulelwa iakhawunti yakho xa kuceliwe. I-API kawonke-wonke ye-KYB ivulwa ngokweakhawunti nganye.
Qalisa
Ukuqinisekiswa kwesazisi kulungiselelwa umqeshi ngamnye. Thetha neqela, qinisekisa ukusetyenziswa kwakho negunya lomthetho osebenza phantsi kwalo, lize iqela lakho leakhawunti likulungiselele imodyuli.
- Thetha neqela malunga nendlela oceba ukuyisebenzisa ngayo namalike osebenza kuwo.
- Iqela lakho leakhawunti lilungiselela imodyuli, kuze umntu ogunyazisiweyo kumbutho wakho abhale isiseko esisemthethweni nezicwangciso zephepha elibanjwe kwiwebhu kwi-Backoffice.
- Dala iseshoni nge-API, okanye uthumele isimemo esisetyenziswa kube kanye kwi-Backoffice.
Imibuzo ebuzwa rhoqo
Ngaba iNoxtica iyabavuma okanye iyabala abathengi bam?
Hayi. INoxtica ibuyisa imiqondiso ezenzekelayo nezizathu zayo, yaye ifoto egqityiweyo ilinda kumgca wakho wophononongo. Yimeko ethi completed kuphela ethetha ukuvuma, yaye ivela emva kokuba umlawuli kumbutho wakho evumile okanye enze i-override.
Ngaba umthengi kufuneka afake i-app?
Hayi. Inkqubo isebenza kwisikhangeli sangoku sefowuni okanye sekhompyutha. Kwikhompyutha umthengi unokuskena ikhowudi ye-QR ukuze aqhubeke kwifowuni. Ezinye izikhangeli ezingaphakathi kwee-app azixhaswa; xa kunjalo, iphepha licela umthengi avule ikhonkco kwisikhangeli sakhe.
Zeziphi iintlobo zamaxwebhu ezixhaswayo?
Iipasipoti, amakhadi esazisi esizwe, amaphepha-mvume okuqhuba namaphepha-mvume okuhlala. Ukhetha iintlobo ezamkelwayo kuqinisekiso ngalunye, yaye amazwe akhuphayo amiselwa kwiakhawunti nganye.
Ndisifunda njani isiphumo?
Funda imeko yeseshoni kwiseva yakho, okanye ufumane isiganeko esisayiniweyo uze ufunde imeko. Thatha inyathelo ngokwemeko ebuyiswa lufundo, hayi ngokomzimba wesiganeko.
Ngaba ukuqinisekisa umntu ophilayo kububungqina bokuba lo mntu ungowokwenene?
Hayi. Iziphumo zokuqinisekisa umntu ophilayo nezohlaselo lokubonisa zibubungqina bomphononongi. Ukubhaqwa kohlaselo lokubonisa kunika isalathiso kuphela: amanqaku alulwazi, akasiso isigwebo sokuba umntu uphilayo okanye kusetyenziswe inkohliso, yaye ityala lihlala liphononongwa.
Imifanekiso neziphumo zigcinwa ixesha elingakanani?
INoxtica ayizicimi ngokuzenzekelayo iinkcukacha zokuqinisekiswa okanye ubungqina, yaye ayimiseli umhla wokuzicima. Zihlala kumqeshi wakho de umlawuli womqeshi azicime kwi-Backoffice.
Ndingalifaka iphepha elibanjwe kwiwebhu kwiwebhusayithi yam?
Ngokwendalo, iphepha livulwa lonke emva kokuthunyelwa kwelinye okanye kwithebhu entsha. Iphepha elibanjwe kwiwebhu liyala ukuboniswa ngaphakathi kwe-iframe ngaphandle kokuba ukuboniswa ngale ndlela kuvulelwe umbutho wakho.
Ndingazivulela ngokwam ukuqinisekiswa kwesazisi?
Okwangoku awukwazi. Kulungiselelwa umqeshi ngamnye phantsi kokufumaneka okulawulwayo. Qhagamshelana neqela nixoxe ngendlela oceba ukuyisebenzisa ngayo negunya lomthetho osebenza phantsi kwalo.
Ngaba iziphumo zibubungqina obusemthethweni besazisi?
Hayi. Iziphumo zisekelwe kumathuba, zinokuphosisa macala omabini, yaye azibobungqina obusemthethweni besazisi. Umntu kumbutho wakho kufuneka aphonononge nasiphi na isigqibo esingamfanelanga umthengi ngaphambi kokuba simchaphazele.
Ngaba niyanikezela ngokuqinisekiswa kwamashishini?
Ewe. Ukuqinisekiswa kwamashishini (KYB) nokwamkelwa kwabathengisi (KYM) kuyafumaneka, yaye kuvulelwa iakhawunti yakho xa kuceliwe.