IDnow Identity Verification Platform API
IDnow identity verification platform REST API for European financial institutions, fintechs, and regulated businesses to automate KYC/AML identity verification through automated AI document check, video-assisted identification, eIDAS-compliant electronic signing, and qualified electronic signature (QES) services, particularly strong for German, Austrian, and Swiss regulatory compliance requirements including GwG (German AML Act) and BaFin-regulated use cases. Enables AI agents to manage identity verification session creation for KYC onboarding automation, handle AI document extraction for automated ID check automation, access video identification scheduling for human-assisted KYC automation, retrieve verification result and status for compliance decision automation, manage AML screening integration for anti-money-laundering check automation, handle eIDAS electronic signing for digital contract automation, access qualified electronic signature for regulated document signing automation, retrieve verification audit trail for compliance record automation, manage risk scoring for KYC risk-based approach automation, and integrate IDnow with German banking, insurance, fintech, and regulated enterprise platforms for end-to-end European identity verification automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Identity verification. eIDAS, BaFin, BSI, GDPR. API key + HMAC. DE/EU. Identity and biometric data.
⚡ Reliability
Best When
A European financial institution, fintech, or regulated business wanting AI agents to automate KYC/AML identity verification for German, Austrian, and Swiss regulatory requirements through IDnow's BaFin-aligned verification platform with eIDAS and QES support.
Avoid When
VIDEO IDENT REQUIRES HUMAN AGENT AVAILABILITY: IDnow VideoIdent uses human agents for verification; automated verification session creation does not guarantee immediate human availability; automated real-time synchronous verification completion creates queuing delay during high volume. AUTOMATED AI CHECK HAS DOCUMENT QUALITY REQUIREMENTS: IDnow AutoIdent AI extraction requires minimum image quality (resolution, lighting, no glare); automated document capture must meet quality thresholds; automated low-quality image submission creates check_failed or manual_review_required without processing. VERIFICATION SESSION EXPIRES IF ABANDONED: IDnow verification session expires if not completed within configured time; automated session must be completed within validity window; automated session reuse after expiry creates session_expired and new session required. QES REQUIRES PRIOR IDENTITY VERIFICATION: IDnow Qualified Electronic Signature requires completed identity verification as prerequisite; automated signing workflow must complete identity verification first; automated QES without prior verification creates verification_required error.
Use Cases
- • Verifying customer identity for German BaFin-regulated onboarding agents
- • Automating KYC document extraction from AI identity check agents
- • Scheduling video identification for GwG-compliant financial onboarding agents
- • Generating qualified electronic signatures from eIDAS-compliant document agents
Not For
- • US identity verification (IDnow is European/German market focus)
- • Simple consumer age verification (IDnow is regulated KYC/AML, not age gates)
- • Non-regulated use cases (IDnow cost and process is suited for regulated financial services)
Interface
Authentication
IDnow uses API key for server authentication + client SDKs for mobile verification. REST API with JSON. Munich, Germany HQ. Founded 2012 by Sebastian Bärhold, Armin Bauer, Dennis von Ferenczy, Tobias Kemper. Backed by BayBG, Seventure Partners ($50M+ raised). Acquired by Corsair Capital in 2021. Products: AutoIdent (AI doc check), VideoIdent (human video KYC), eSign (eIDAS), QES, Bank-grade AML. SDKs: iOS, Android, Web. BSI-certified, eIDAS-compliant. BaFin recognized for GwG. GDPR. Competes with Onfido and Veriff for European identity verification.
Pricing
Munich DE. Corsair Capital backed. Per-verification pricing in EUR. Enterprise contracts for regulated entities.
Agent Metadata
Known Gotchas
- ⚠ VIDEO IDENT QUEUE TIME IS VARIABLE: IDnow VideoIdent sessions queue for available human agents; automated VideoIdent session start does not equal immediate agent; automated synchronous completion expectation creates timeout for queued sessions; use webhook for completion notification
- ⚠ AUTO IDENT QUALITY CHECK RETURNS PENDING: IDnow AutoIdent AI processing is asynchronous; automated verification must poll status or await webhook not expect synchronous result; automated immediate result expectation after submission creates empty/pending status
- ⚠ VERIFICATION SESSION IS SINGLE-USE: IDnow verification sessions are for single customer use only; automated session must be created per customer not reused; automated session reuse creates already_completed or session_reuse error
- ⚠ DOCUMENT LIVENESS CHECK DISTINCT FROM DOCUMENT EXTRACTION: IDnow liveness detection (face matching) is separate check from document extraction; automated full KYC must explicitly enable both checks; automated document-only check without liveness creates incomplete KYC for regulated use cases
- ⚠ WEBHOOK PAYLOAD SIGNED: IDnow webhook uses HMAC signature header; automated webhook processor must verify signature; automated unverified webhook creates spoofed KYC completion acceptance vulnerability
Alternatives
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Scores are editorial opinions as of 2026-03-07.