Verifying UK ID (eKYC) - API only (v1)

Preview / Alpha

This version of this step type is in preview / alpha. The functionality and subsequently the documentation can still change.

Electronic Know Your Customer check against UK credit bureau and electoral roll data, returning a tiered identity corroboration result

The eKYC UK step verifies a person's identity by cross-referencing their data against UK credit bureau and electoral roll sources via a configured screening provider. It consumes a BasicIdentity and an ExtendedIdentity data block and returns a tiered corroboration result — verified, inconclusive, or not_verified — together with the contributing bureau sources.

The tier model is based on the number of sources that successfully corroborate the identity:

• A full 2+2 pass (two elements corroborated by two independent sources) routes to verified;
• a partial match (2+1 or 1+1) routes to inconclusive; and
• anything below that routes to not_verified.

The verificationProcessId in the Verification data block corresponds to the vendor-assigned transaction ID. The flow execution ID is used as the client reference for traceability in the vendor API.

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Key features

• UK-specific bureau network: queries Electoral Roll, Credit Lenders, and related UK data sources
• Tiered corroboration: 2+2, 2+1, 1+1 match tiers determine routing
• Address-aware: consumes UK address fields (residentHouseName) from ExtendedIdentity alongside standard address fields
• Headless: no end-user interaction required; the step executes entirely server-side

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Configuration

Option	Type	Required	Description
provider	string	No	eKYC provider. Currently only NCINO is supported. Accepted values: NCINO.
configuration_identifier	string	Yes	nCino bundle identifier that selects the data sources to query (e.g. "W2-DATA-EKYC-UK-005"). Configured by the provider during onboarding.

Example configuration

{
  "provider": "NCINO",
  "configuration_identifier": "W2-DATA-EKYC-UK-005"
}

---

Input data blocks

Both data blocks are required. Session creation is rejected if either is missing or if the mandatory fields listed below are absent or incomplete — the W2 bureau requires all of them to execute the check.

Data block	Required	Description
BasicIdentity	Yes	Personal details of the person to verify. Mandatory: givenName, familyName, birthDate (full date — year, month and day all required; partial dates are rejected). No optional fields.
ExtendedIdentity	Yes	Address of the person to verify. Mandatory: residentPostalCode; at least one of residentHouseNumber or residentHouseName. Optional: residentStreet, residentCity, residentState (county), mobilePhoneNumber.

info

Session creation fails with error code MISSING_INPUT_DATA_BLOCKS (HTTP 412) if any mandatory field is missing or incomplete. The message field in the response lists the missing fields in dot notation (e.g. "Missing required input data: basicIdentity.givenName, extendedIdentity.residentPostalCode"). This prevents the step from executing with data that W2 would reject.

---

Routes

Route	Description
verified	Full 2+2 pass — two identity elements corroborated by at least two independent sources.
not_verified	Below 1+1 threshold or no elements corroborated. The Verification data block is produced with status "rejected", matchTier null, and an empty sources array.
inconclusive	Partial match (2+1 or 1+1) — some elements corroborated but not sufficient for a full pass.

---

Output data blocks

Route	Data blocks produced
verified	Verification
not_verified	Verification
inconclusive	Verification

Example payloads

Verification — verified

{
  "status": "verified",
  "terminationReason": null,
  "methods": [
    {
      "type": "eKYCUK",
      "matchTier": "2+2",
      "sources": [
        {
          "name": "Electoral Roll",
          "matchedElements": [
            "givenName",
            "familyName",
            "residentAddress"
          ]
        },
        {
          "name": "Credit Lenders",
          "matchedElements": [
            "givenName",
            "familyName",
            "birthDate",
            "residentPostalCode"
          ]
        }
      ]
    }
  ],
  "provider": null,
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-07-15T09:45:00.000Z",
  "verificationProcessId": "f4a8c1b2-3e7d-4f2a-9b5c-1d2e3f4a5b6c"
}

Verification — inconclusive

{
  "status": "inconclusive",
  "terminationReason": null,
  "methods": [
    {
      "type": "eKYCUK",
      "matchTier": "1+1",
      "sources": [
        {
          "name": "Credit Lenders",
          "matchedElements": [
            "givenName",
            "familyName",
            "residentAddress"
          ]
        }
      ]
    }
  ],
  "provider": null,
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-07-15T09:46:00.000Z",
  "verificationProcessId": "a1b2c3d4-5678-4abc-9def-abcdef012345"
}

Verification — not_verified

{
  "status": "rejected",
  "terminationReason": null,
  "methods": [
    {
      "type": "eKYCUK",
      "matchTier": null,
      "sources": []
    }
  ],
  "provider": null,
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-07-15T09:47:00.000Z",
  "verificationProcessId": "c3d4e5f6-7890-4bcd-ef01-234567890123"
}

---