Secure, Scalable Identity Verification for BNPL Experiences

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Challenges
Conversion vs Risk Trade-Off
Conversion vs Risk Trade-Off

Stronger security can negatively impact approval speed and user experience.

Multi-Account Exploitation
Multi-Account Exploitation

Users create multiple accounts to bypass spending limits.

Synthetic Identity Abuse
Synthetic Identity Abuse

Fraudsters exploit weak identity checks during onboarding to obtain credit instantly.

High Default and Chargeback Risk
High Default and Chargeback Risk

Weak identity verification leads to increased financial losses.

Fraud Risk in Instant Approval Flows
Fraud Risk in Instant Approval Flows

Fast approval processes increase exposure to fraud during transaction requests.

Reduce Approval Fraud Without Killing Conversion — Real-Time Identity for BNPL Decisioning
Verify Users During Onboarding and Transaction Requests
Lightweight facial verification confirms identity without interrupting the approval flow.
Block Synthetic Identity Abuse
Liveness detection ensures the user is real, not AI-generated or replayed.
Detect Multi-Account Users
Face search identifies attempts to bypass credit limits.
Trigger Risk-Based Verification
Additional checks are applied only when needed, preserving conversion rates.
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Reduce Fraud While Preserving Conversion
Real-time identity verification during onboarding and transaction approval, reducing fraud while maintaining high conversion rates
Real-time identity verification during onboarding and transaction approval, reducing fraud while maintaining high conversion rates
Detection of first-party fraud and synthetic identities, lowering default rates and protecting revenue
Detection of first-party fraud and synthetic identities, lowering default rates and protecting revenue
Multi-account detection across platforms, preventing users from bypassing credit limits
Multi-account detection across platforms, preventing users from bypassing credit limits
Risk-based authentication for high-value transactions, balancing security with seamless user experience
Risk-based authentication for high-value transactions, balancing security with seamless user experience
Automated fraud control in high-frequency transaction environments, enabling secure scaling across merchants
Automated fraud control in high-frequency transaction environments, enabling secure scaling across merchants
Why Choose Us
Optimized for Instant Approval Experiences
Designed for fast, low-friction identity verification during onboarding and transaction approval.
Advanced Fraud Detection
Detects synthetic identities and abnormal behavior in real time.
Scalable Across Merchant Ecosystems
Supports high transaction volumes across multiple platforms.
Seamless User Experience
Minimizes disruption while maintaining strong security controls.
Millisecond-Level Verification Speed
Enable near-instant identity checks during onboarding and transaction requests.
99%+ Recognition Accuracy & 260+ AI Patents
Deliver precision backed by proven innovation.
Context-Aware Risk Detection
Detect abnormal user environments and risky situations during verification, such as suspicious backgrounds, multiple faces in frame, low-light or concealed environments, or signs of user coercion.
Scenarios
User Registration & Identity Verification
Verify identities during onboarding using facial recognition and liveness detection to ensure only legitimate users are approved.
Instant Credit Approval Experience
Perform real-time identity verification during transactions to support fast and secure BNPL approvals.
High-Risk Transaction Verification
Apply additional identity checks for suspicious or high-value transactions to reduce fraud risks.
Secure Login & Authentication
Enable password-free login through facial recognition to improve both security and user experience.
Account Recovery & Re-Verification
Allow users to securely recover accounts or re-verify identity without manual intervention.
Ongoing Risk Monitoring
Continuously verify user identity and behavior to detect anomalies and prevent abuse.
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FAQ
Can Face++ support high-volume BNPL platforms?
Yes. Face++ is designed to handle high concurrency and large-scale deployments while maintaining speed and accuracy.
How does Face++ prevent fraud?
Face++ uses facial recognition and liveness detection to confirm that users are real and physically present, preventing spoofing and unauthorized access.
Why is identity verification important for BNPL?
Because BNPL services rely on fast approvals, they are more vulnerable to identity fraud. Strong verification ensures that only legitimate users can access credit.
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Face⁺⁺ Identity
  • KYC
  • KYB
  • Risk & AML Data
  • Deepfake Detection
  • Anti-spoofing
  • Behavior Risk
  • Liveness Detection
Facial Recognition
Human Body Recognition
Text Recognition
  • Universal OCR
  • Template OCR
  • ID Card Recognition
  • Driver’s License Recognition
  • Vehicle License Recognition
  • Bank Card Recognition
Pricing & Plans
Company
Face⁺⁺ Identity
  • KYC
  • KYB
  • Risk & AML Data
  • Deepfake Detection
  • Anti-spoofing
  • Behavior Risk
  • Liveness Detection
Text Recognition
  • Universal OCR
  • Template OCR
  • ID Card Recognition
  • Driver’s License Recognition
  • Vehicle License Recognition
  • Bank Card Recognition
Facial Recognition
Human Body Recognition
Pricing & Plans
Company

Wed Jun 10 2026 18:54:32 GMT+0800 (China Standard Time)