I-KYC esingathwayo
Ukuqinisekiswa kobuwena okusingathwa yi-Noxtica
Amabhizinisi asebenzisa i-Noxtica ukuqinisekisa ubuwena bamakhasimende awo ngokuqondile kusiphequluli — akudingeki ufake uhlelo lokusebenza.
Isinqumo ngesakho. Thina sikunikeza ubufakazi.
- Akukho hlelo lokusebenza oludingeka lufakwe
- Ama-webhook asayiniwe ne-API yesimo
- Indlela yokubuyekeza komuntu
- Yenzelwe ukuthi iqembu lakho kube yilo elinqumayo

Ukuhlolwa kobuwena amakhasimende akho akuqedela esipheqululini
I-Noxtica isingatha lonke uhambo lwekhasimende: isiqondiso sekhamera, ukuthathwa kwesithombe sedokhumenti nesithombe sobuso, isinyathelo sokuqinisekisa ukuthi umuntu wangempela ukhona, nesikrini somphumela. Iseva yakho idala iseshini bese ifunda umphumela. Ikhasimende lakho alisuki esipheqululini.
Alukho uhlelo lokusebenza, akukho kuhlupheka
Ikhasimende livula isixhumanisi efonini noma kukhompyutha. Akukho elidinga ukukufaka, futhi umsebenzisi wekhompyutha angaqhubekela efonini esebenzisa ikhodi ye-QR.
Iqembu lakho yilo elinqumayo
Ukuhlolwa kwedokhumenti, kobuso nokuqinisekisa ukuthi umuntu wangempela ukhona kuveza izinkomba ezizenzakalelayo nezizathu zazo. Umuntu osenhlanganweni yakho uyazibuyekeza. I-Noxtica ayivumeli muntu ngokuzenzakalelayo.
Izithombe azidluli kumaseva akho
Ikhasi elisingethwe liqoqa ubufakazi bese libulayisha buvikelwe. Iseva yakho ayiwatholi ngokuqondile amafayela noma izimpendulo zekhasimende.
Icala ngalinye liyacwaningeka
Ukuqinisekiswa ngakunye kugcina izizathu zako, irekhodi lokubuyekeza elinenguqulo, nokufakwa kurekhodi lokucwaninga lwesinqumo ngasinye ku-Backoffice yakho.
Ukuhlanganisa okukodwa, izindlela ezimbili zokuqala
Dala amasession kusuka ku-backend yakho usebenzisa i-API, noma thumela izimemo zesikhathi esisodwa ku-Backoffice ngaphandle kokubhala ikhodi.
Sikulungiselelwa wena
Ukuqinisekiswa kobuwena kulungiselelwa i-tenant ngayinye ngaphansi kokutholakala okulawulwayo. Ithimba le-akhawunti yakho lizoqinisekisa ukuthi yini esebenza enhlanganweni nasemthethweni osebenzela kuwo.
Kusukela kukholi ye-API kuya kumphumela
Yonke inqubo inezinyathelo eziyisishiyagalombili. Iseva yakho iyayiqala futhi iyayiqeda. Izinyathelo zekhasimende zenzeka ekhasini elisingathwa yi-Noxtica.
Dala iseshini
Iseva yakho ibiza i-API yamasession isebenzisa ireferensi yekhasimende engacacisi ubuwena, eyakho. Impendulo iba ne-ID yeseshini nesixhumanisi esisetshenziswa kanye kuphela.
Thumela isixhumanisi
Qondisa ikhasimende kabusha, vula ithebhu entsha, thumela isixhumanisi nge-imeyili noma ngomlayezo, noma usibonise njengekhodi ye-QR.
Dlulisela efonini uma kudingeka
Kukhompyutha, ikhasi elisingethwe libonisa ikhodi ye-QR nenketho yokukopisha isixhumanisi, ukuze ikhasimende liqhubeke ngekhamera yefoni.
Thatha isithombe sedokhumenti
Isiqondiso sekhamera bukhoma sisiza ngokucwebezela, ukufiphala, ukutsheka nebanga. Kuthathwa isithombe sangaphambili, nesangemuva uma lolo hlobo lwedokhumenti lunaso.
Thatha isithombe sobuso
Kuthathwa isithombe sobuso esiqondiswayo ukuze kuqhathaniswe ubuso nesithombe esikudokhumenti.
Qedela isinyathelo sokuqinisekisa ukuthi umuntu wangempela ukhona
Ukulandelana okufushane okuqondiswayo kokunyakazisa ikhanda nokucifa iso. Amafreyimu aphinde ahlolwe kuseva.
Buyekeza
I-Noxtica icubungula okuthunyelwe. Isithombe esithathwe sesiqediwe silinda kulayini wokubuyekeza ku-Backoffice yakho kuze kube yilapho othile enhlanganweni yakho ebhala isinqumo.
Funda umphumela
Iseva yakho ifunda isimo seseshini, noma ithola umcimbi osayiniwe bese ifunda isimo. Thatha isinyathelo ngokwesimo esibuya lapho usifunda.
Iya kuphi idatha
Kunezindlela ezimbili ezihlukene: iseva yakho ixhumana ne-API ye-Noxtica isebenzisa ukhiye weseva, kanti ikhasimende lisebenzisa ikhasi elisingethwe ngesixhumanisi sesikhathi esisodwa. Ubufakazi busuka esipheqululini sekhasimende buye ku-Noxtica. Abudluli kumaseva akho.
Okubonwa yikhasimende lakho
Lezi zikrini zivela enqubweni esingethwe kusetshenziswa idokhumenti eyisampula nobuso obenziwe ngekhompyutha. Akukho muntu wangempela noma umazisi wangempela ovela kuleli khasi.

Ibhizinisi, injongo nenkinobho elula yokuqala. 
Isaziso sobumfihlo ngaphambi kokuthathwa kwanoma yini. 
Ikhasimende likhetha uhlobo lwedokhumenti nezwe eliyikhiphile. 
Isiqondiso esibukhoma ekhadini eliyisampula. 
Isithombe sobuso esiqondiswayo esiboniswa sinobuso bokwenziwa. 
Ukulandelana okufushane kokuqinisekisa ukuthi umuntu wangempela ukhona. 
Isikrini somphumela: kusabuyekezwa, akukagunyazwa.

Iyafinyeleleka, ngezilimi ezingu-36
Ikhasi livuleka ngolimi lwedivayisi yomuntu, futhi lihlelwa ukusuka kwesokudla kuye kwesobunxele uma kusetshenziswa isi-Arabhu, isiPheresiya nesiHebheru. Kukhona izingqikithi ezikhanyayo, ezimnyama nezinomehluko omkhulu, amalebula okufundelwa esikrinini, ukusekelwa kwekhibhodi nokunciphisa ukunyakaza.
Amadokhumenti namazwe asekelwayo
- Ipasipoti
- Ikhadi likamazisi likazwelonke
- Ilayisensi yokushayela
- Imvume yokuhlala
Ukhetha ukuthi yiziphi kulezi zinhlobo ezine zamadokhumenti ezamukelwa ekuqinisekisweni ngakunye. Ipasipoti ithathwa ekhasini layo elinedatha. Ezinye ezintathu zithathwa ngaphambili nangemuva.
Amazwe akhiphayo ahlelwa nge-akhawunti ngayinye, awalungiselelwa ohlwini olusesidlangalaleni, futhi ikhasimende libona amagama amazwe ngolimi lwalo. Xhumana nathi mayelana nezimakethe ozisebenzelayo ngaphambi kokuthembisa amakhasimende akho ukuthi ayasekelwa.
Izinyathelo ezengeziwe ozikhethela zona zisebenza kuphela lapho zinikwe amandla enhlanganweni yakho.
Okubhekwa ukuhlola
Ukuhlola ngakunye kulokhu kuveza ubufakazi bomhloli wakho kanye nemithetho yakho yobungozi. Akukho nokukodwa okuyisinqumo.
Ukuhlolwa kwedokhumenti
Idokhumenti iyafundwa, uhlobo lwayo luyahlonzwa, bese kuqinisekiswa indawo efundeka ngomshini lapho idokhumenti inayo. Kubhekwa izimpawu zokuthi isikrini siphinde sathwetshulwa noma kwasetshenziswa ikhophi ephrintiwe, bese isithombe esingabonisi umazisi simakwa ukuze siphinde sithathwe.
Ukuqhathanisa ubuso
Isithombe sobuso esikudokhumenti siqhathaniswa nesithombe sobuso esithathiwe. Ukuqhathanisa okubuthaka kuwubufakazi bomhloli. Akusho ukuthi umuntu uyenqatshwa ngokuzenzakalelayo.
Ukuqinisekisa ukuthi umuntu wangempela ukhona
Ukulandelana okuqondiswayo kokunyakazisa ikhanda nokucifa iso kubonisa ukuthi ukunyakaza okuceliwe kwenzekile. Amafreyimu aphinde ahlolwe kuseva, futhi isiphequluli singenza umphumela ube mubi kuphela, asikwazi ukulungisa ukuhlola okuhlulekile.
Izinkomba zokuhlasela ngokubonisa
Ukutholwa kokuhlasela ngokubonisa kuyiseluleko kuphela. I-Noxtica ibika umphumela wako futhi ayikuvumeli ukuthi kunqume. Isikolo siwulwazi, asisinqumi ukuthi umuntu ungokoqobo noma uyakhohlisa, futhi sigcina icala lisabuyekezwa.
Akukho kugunyazwa okuzenzakalelayo ngokuphelele
I-Noxtica ayiguquli imiphumela yokuhlola ibe ukugunyazwa. Ukuhlola okuzenzakalelayo kuphela lapho icala lilindele umuntu enhlanganweni yakho.
I-completed kuphela esho ukugunyazwa. Phatha zonke ezinye izimo njengezingagunyaziwe uze ufunde esakamuva.
Awukho umphumela wokuhlola, noma umuhle kangakanani, oqinisekisa ukuqinisekiswa okusingethwe ngokwawo.
Ungalenqabi ngokuzenzakalelayo icala elisabuyekezwa. Ukubuyekezwa kusho ukuthi ayikho impendulo eqinisekile; kufanele kubhekwe ngumuntu.
Izimo ezingafundwa yiseva yakho
pending- Iseshini ikhona futhi isixhumanisi asikavulwa.
opened- Ikhasimende livule isixhumanisi.
verifying- Okuthunyelwe kuyacutshungulwa.
review_pending- Ukucubungula kuqediwe futhi kudingeka isinqumo kulayini wakho wokubuyekeza ku-Backoffice. Akukhona ukwenqatshwa futhi akukhona ukugunyazwa.
completed- Isinqumo sigunyaze iseshini.
unverified- Ukucubungula kuqede ngomphumela ongemuhle.
error- Ukucubungula akukwazanga ukuqedwa ngenxa yephutha noma ukwenqaba.
expired- Isixhumanisi siphelelwe yisikhathi noma isikhathi sokuqeda sesidlulile.
Ababuyekezi bakho
Isithombe esithathwe sesiqediwe silinda kulayini wokubuyekeza we-KYC ku-Backoffice. Umlawuli ukhetha u-Gunyaza noma u-Shintsha isinqumo, futhi noma yikuphi kuqedela iseshini. Ukurekhoda ukudlulisela phambili kuyishiya injalo. Izinqumo zidinga indima yomlawuli nokuqinisekisa okwengeziwe, futhi ngasinye sibhala irekhodi lokubuyekeza elinenguqulo nokufakwa kurekhodi lokucwaninga.
Okonjiniyela
Amakholi amabili nomcimbi owodwa. Konke okulandelayo kuyisibonelo sokwenziwa: ukhiye, ama-ID nereferensi yekhasimende.
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);
}Okubalulekile ukwazi
- Thumela iheda ye-Idempotency-Key futhi uma uzama futhi, uzothola iseshini efanayo ngaphandle kokuthi isixhumanisi sivezwe futhi.
- Umcimbi osayiniwe uyisaziso, awulona igunya. Wuqinisekise, rekhoda i-ID yokulethwa, bese ufunda isimo seseshini futhi uthathe isinyathelo ngokwesimo.
- Imicimbi ayilokothi ithwale ireferensi yekhasimende lakho, igama noma inani ledokhumenti.
- Isixhumanisi sokubuyela kufanele sisebenzise i-host ebhaliselwe inhlangano yakho. Funda isimo ngezikhathi ezikhulayo, ngoba kunemikhawulo yezicelo.
Ukuvikelwa kwedatha
Okulandelayo kuchaza indlela umkhiqizo osebenza ngayo njengamanje, ngokwamadokhumenti asesidlangalaleni. Ukuze ufunde imigomo yezomthetho, funda inqubomgomo yobumfihlo, isengezo sokucutshungulwa kwedatha nohlu lwabacubunguli abangaphansi.
Imvume kuqala
Ngaphambi kokuvula ikhamera, ikhasi elisingethwe libonisa isaziso sobumfihlo esinegama lebhizinisi lakho, injongo nesixhumanisi sakho sobumfihlo. Umuntu ogunyaziwe enhlanganweni yakho uqala ngokurekhoda isisekelo esisemthethweni, futhi kuze kube yilapho sesirekhodiwe ukwenziwa kweseshini kuyenqatshwa.
Kuvikelwa esipheqululini
Izithombe namafreyimu evidiyo kubethelwa esipheqululini sekhasimende ngaphambi kokulayishwa, futhi kusetshenziselwa lokho kuqinisekiswa kuphela. Amafayela emidiya okuqala ahlala evikelwe ku-Backoffice.
Kuhlukaniswe nge-tenant
Iseshini ngayinye nokufundwa ngakunye kungokwenhlangano eyodwa. Isicelo sokufunda isimo seseshini engeyenye inhlangano sibuyisa ukuthi ayitholakalanga, njengokungathi i-ID ayaziwa.
Ukufinyelela okulawulwayo ebufakazini
Abalawuli kuphela abavula ubufakazi bokuqala, ukuvula ngakunye kudinga ukuqinisekisa okwengeziwe futhi kuyacwaningwa, kanti ukubuka kuyavinjwa uma ukufakwa kwerekhodi lokucwaninga kungakwazi ukubhalwa. Ezinye izindima zibona okutholakele nezilinganiso, hhayi okwangempela.
Ayikho idatha yomuntu siqu emicimbini
Imicimbi ye-webhook ithwala ama-ID, izimo namakhodi ezizathu. Ayithwali amagama, amanani amadokhumenti noma ireferensi yekhasimende lakho.
Izixhumanisi ezisebenza isikhathi esifushane
Isixhumanisi esingakaze sivulwe siphelelwa yisikhathi kanye neseshini yaso. Ngemva kokuba ikhasimende lisivule okokuqala, isikhathi sokuqeda sinomkhawulo, futhi iseshini elinde ukubuyekezwa ayiphelelwa yisikhathi isalindile.
Ukugcinwa nokususwa
I-Noxtica ayisusi ngokuzenzakalelayo imininingwane yokuqinisekiswa kwe-KYC noma ubufakazi, futhi ayibeki usuku lokubususa. Kuhlala ku-tenant yakho kuze kube yilapho umlawuli we-tenant ekususa.
Umlawuli ususa ukuqinisekiswa ku-Backoffice ngesizathu, ngokuqinisekisa okubhalwa ngomshini nangokuqinisekisa okwengeziwe. Ukususa kususa ukuqinisekiswa, amasession akho, amafayela obufakazi, amarekhodi nezinqumo zokubuyekeza. Akunakuhlehliswa. Amarekhodi okusetshenziswa kokukhokha, amarisidi esisekelo esisemthethweni, ireferensi yekhasimende engacacisi ubuwena nerekhodi lokucwaninga kuyasala. Ukhiye we-API weseva awukwazi ukususa ukuqinisekiswa.
Ukususwa kwedatha yomuntu kwenziwa njengesicelo ku-Backoffice: omunye umlawuli uyakugunyaza, umyalelo wokugcina idatha uyakuvimba, into ngayinye ishiya irisidi, futhi umcimbi osayiniwe ubika umphumela ngaphandle kwe-ID yomuntu othintekayo.
Nguwe obhekelele izaziso, izimvume nesisekelo esisemthethweni sokuqoqa ubufakazi bobuwena kumakhasimende akho kuzo zonke izindawo osebenzela kuzo. I-Noxtica ayiyona inhlangano ebika imininingwane yabathengi. Ungasebenzisi imiphumela ukunquma ukufaneleka kokuthola isikweletu, umshwalense, umsebenzi noma indawo yokuhlala.
Ngale kwabantu ngabanye: ukuqinisekiswa kwebhizinisi nokomthengisi
Ukuqinisekiswa kwebhizinisi (KYB) nokwamukelwa komthengisi (KYM). Kuyatholakala uma kucelwa. Kunikwa amandla ku-akhawunti yakho uma kucelwa. I-API ye-KYB yomphakathi inikwa amandla nge-akhawunti ngayinye.
Qala
Ukuqinisekiswa kobuwena kulungiselelwa i-tenant ngayinye. Khuluma nethimba, uqinisekise injongo yakho nendawo osebenzela kuyo, bese ithimba le-akhawunti yakho likulungiselela imojuli.
- Khuluma nethimba ngenjongo yakho nezimakethe ozisebenzelayo.
- Ithimba le-akhawunti yakho lilungiselela imojuli, bese umuntu ogunyaziwe enhlanganweni yakho erekhoda isisekelo esisemthethweni nezilungiselelo zekhasi elisingethwe ku-Backoffice.
- Dala iseshini nge-API, noma thumela isimemo sesikhathi esisodwa nge-Backoffice.
Imibuzo evame ukubuzwa
Ingabe i-Noxtica iyawagunyaza noma iyawenqaba amakhasimende ami?
Cha. I-Noxtica ibuyisa izinkomba ezizenzakalelayo nezizathu zazo, bese isithombe esithathwe sesiqediwe silinda kulayini wakho wokubuyekeza. Isimo esithi completed kuphela esisho ukugunyazwa, futhi sivela ngemva kokuba umlawuli enhlanganweni yakho egunyazile noma eshintshe isinqumo.
Ingabe ikhasimende kudingeka lifake uhlelo lokusebenza?
Cha. Inqubo isebenza esipheqululini samanje sefoni noma sekhompyutha. Kukhompyutha ikhasimende lingaskena ikhodi ye-QR ukuze liqhubeke efonini. Ezinye iziphequluli ezingaphakathi kwezinhlelo zokusebenza azisekelwa, bese ikhasi licela ikhasimende livule isixhumanisi esipheqululini salo.
Imaphi amadokhumenti asekelwayo?
Amapasipoti, amakhadi kamazisi kazwelonke, amalayisensi okushayela nezimvume zokuhlala. Ukhetha izinhlobo ezamukelwa ekuqinisekisweni ngakunye, kanti amazwe akhiphayo ahlelwa nge-akhawunti ngayinye.
Ngiwuthola kanjani umphumela?
Funda isimo seseshini kuseva yakho, noma uthole umcimbi osayiniwe bese ufunda isimo. Thatha isinyathelo ngokwesimo esibuya lapho usifunda, hhayi ngokomzimba womcimbi.
Ingabe ukuqinisekisa ukuthi umuntu wangempela ukhona kuwubufakazi bokuthi lowo muntu ungokoqobo?
Cha. Imiphumela yokuqinisekisa ukuthi umuntu wangempela ukhona nokuhlasela ngokubonisa iwubufakazi bomhloli. Ukutholwa kokuhlasela ngokubonisa kuyiseluleko kuphela: isikolo siwulwazi, asisinqumi ukuthi umuntu ungokoqobo noma uyakhohlisa, futhi sigcina icala lisabuyekezwa.
Izithombe nemiphumela kugcinwa isikhathi esingakanani?
I-Noxtica ayisusi ngokuzenzakalelayo imininingwane yokuqinisekiswa noma ubufakazi futhi ayibeki usuku lokubususa. Kuhlala ku-tenant yakho kuze kube yilapho umlawuli we-tenant ekususa ku-Backoffice.
Ngingakwazi ukufaka ikhasi elisingethwe kuwebhusayithi yami?
Indlela evamile ukuqondisa kabusha uye ekhasini eligcwele noma ukuvula ithebhu entsha. Ikhasi elisingethwe liyakwenqaba ukufakwa ku-iframe ngaphandle uma ukufaka lolu hlobo kuvunyelwe enhlanganweni yakho.
Ngingazivulela mina ukuqinisekiswa kobuwena?
Okwamanje cha. Kulungiselelwa i-tenant ngayinye ngaphansi kokutholakala okulawulwayo. Xhumana nethimba ukuze nixoxe ngenjongo yakho nendawo osebenzela kuyo.
Ingabe imiphumela iwubufakazi obusemthethweni bobuwena?
Cha. Imiphumela isekelwe emathubeni, ingaba nephutha kuzo zombili izinhlangothi futhi ayibona ubufakazi obusemthethweni bobuwena. Umuntu enhlanganweni yakho kufanele abuyekeze noma yisiphi isinqumo esingamthinti kahle ikhasimende ngaphambi kokuba sithathwe isinyathelo kuso.
Ninikeza ukuqinisekiswa kwebhizinisi?
Yebo. Ukuqinisekiswa kwebhizinisi (KYB) nokwamukelwa komthengisi (KYM): kuyatholakala futhi kunikwa amandla ku-akhawunti yakho uma kucelwa.