Fast, Secure & Reliable NIN and BVN Verification
IDEX gives Nigerian businesses, agents and developers one secure place to run the identity checks they are authorised to perform — a web dashboard for your team and a REST API for your product, both priced per check and settled from a single prepaid wallet.
Verification results are supplied by third-party data providers and depend on the underlying records. IDEX is an independent technology platform and is not affiliated with NIMC, NIBSS or the Central Bank of Nigeria.
# request Authorization: Bearer idex_live_9f3c2a71b45e08d6_… Content-Type: application/json { "nin": "12345678901" } # response — sample shape, not live data { "status": "successful", "reference": "IDX-260818-4C7A19E2B5", "service": "NIN_BASIC", "amount_charged": 150.00, "wallet_balance": 12350.00, "data": { "first_name": "AMINA", "last_name": "OKONKWO", "date_of_birth": "1990-04-12", "gender": "female" } }
Identity checks, defined once and priced openly
Every service below shares the same request shape, the same wallet and the same audit trail, whether you run it from the dashboard or from your own code. The badge on each card is read live from the catalogue, so you always see exactly what is ready.
NIN Basic Verification
Confirms that a National Identification Number exists and returns the core identity fields held against it.
NIN Advanced Verification
Full identity record including demographic detail and, where the provider supplies it, the record photograph.
Phone Number to NIN
Resolves a registered Nigerian phone number to the identity record linked to it.
BVN Verification
Confirms that a Bank Verification Number is valid and returns the identity fields held against it.
BVN Advanced Verification
Extended BVN record including enrolment detail and, where available, the record photograph.
BVN Validation
A yes/no check that a BVN exists, without returning personal data. The privacy-preserving option where you only need to confirm validity.
Built for people who have to answer for the result
Identity verification is a compliance function before it is a feature. These are the six things we decided the platform had to get right before anything else.
Bank-grade security
Identifiers and results are encrypted with AES-256-GCM before they are written to disk. Sessions are fingerprinted and revocable, sensitive actions are rate-limited, and every form is CSRF-protected.
Transparent per-check pricing
One published price per service, shown before you confirm and again on the receipt. No subscription, no monthly minimum, and negotiated rates for volume are applied to your account rather than hidden in a plan.
Developer-first REST API
JSON in, JSON out, over HTTPS with a Bearer key. Scoped keys, predictable error codes and a reference on every response, so your logs and ours can be reconciled line by line.
Wallet with automatic refunds
Fund once and every check settles instantly from the same balance. Where a check returns no result, the charge is reversed to your wallet automatically and the reversal appears on the ledger with its own reference.
A full audit trail
Every verification, wallet movement, key issue and login is recorded with a timestamp and an actor. When a regulator, a client or your own finance team asks what happened, the answer is a query rather than a reconstruction.
Nigerian support
A support team who understand NIN and BVN workflows, on Nigerian hours (Mon–Fri, 8:00am – 6:00pm WAT) and reachable by email. Escalations are tracked against the same reference you see in your dashboard.
Four steps from signup to receipt
The dashboard and the API follow the same path, so what your operations team does by hand and what your product does in code produce identical records.
Create your account
Register with your business details and choose your account type. Two-factor authentication is available from day one and takes a minute to enable.
Fund your wallet
Top up from the dashboard. Every credit and debit is written to a ledger you can export, and low-balance alerts arrive before a check is refused.
Run a verification
Submit a check from the dashboard, or call the API with a scoped Bearer key. You confirm the price before the wallet is debited.
Get the result and receipt
The result is returned against a unique reference and stored encrypted, alongside a receipt showing exactly what was charged.
Security we can show you, not adjectives
Below is what the platform actually does today. We do not hold a certification we have not earned, and we will not claim one on a homepage — if a control is not on this list, assume it is not in place and ask us.
Encrypted at rest
Submitted identifiers and returned results are encrypted with AES-256-GCM before storage. The encryption key lives outside the web root and never in the database.
TLS everywhere
Every request to the dashboard, the API and our providers travels over TLS, with HSTS and a strict content security policy that forbids third-party script.
No plaintext credentials
Passwords are stored as one-way hashes. Provider credentials are encrypted, never rendered back to a screen, and never written to a log.
API keys hashed and shown once
A secret is displayed at the moment it is created and then only ever stored as a peppered hash. There is no reveal button, because recovering the original is impossible by construction — you regenerate instead.
Audit logging
Logins, verifications, wallet movements, key changes and administrative actions are logged with an actor, an address and a timestamp. Sensitive values are scrubbed before anything is written.
Data minimisation and retention
We collect only the fields a service requires, mask identifiers everywhere except the result you paid for, and purge stored results after 30 days.
Customers remain the data controller for every check they run. You must have a lawful basis and, where required, the consent of the person whose identity is being verified. Our data protection notice and acceptable use policy set out what that means in practice.
One endpoint per service, one key, one wallet
Authenticate with a scoped Bearer key in the form
idex_live_<id>_<secret>, post the fields the service declares, and
read the result. Errors arrive as a stable machine-readable code rather than prose, so your
retry logic can be written once.
curl -X POST https://idex.com.ng/api/v1/nin/verify \
-H "Authorization: Bearer $IDEX_API_KEY" \
-H "Content-Type: application/json" \
-H "Accept: application/json" \
-d '{"nin":"12345678901"}'Scoped keys
Issue a key that may only read your wallet balance, or only run BVN checks. Revoke or regenerate any key without touching the others.
A reference on every call
Successful, failed and refunded checks all carry the same reference through the API response, the dashboard, the ledger and the receipt.
Predictable failures
insufficient_funds, validation_failed, not_found
and service_unavailable mean the same thing on every endpoint.
Pay per check, from your wallet
These are the standard individual rates. Agent, business and enterprise bands are lower, API calls are priced separately, and volume rates are agreed against your account.
NIN Basic Verification
- Debited from your wallet at the moment you confirm
- API rate ₦110.00 per call
- Business rate ₦120.00
- Refunded automatically when no result is returned
NIN Advanced Verification
- Debited from your wallet at the moment you confirm
- API rate ₦110.00 per call
- Business rate ₦200.00
- Refunded automatically when no result is returned
Phone Number to NIN
- Debited from your wallet at the moment you confirm
- API rate ₦110.00 per call
- Business rate ₦165.00
- Refunded automatically when no result is returned
BVN Verification
- Debited from your wallet at the moment you confirm
- API rate ₦110.00 per call
- Business rate ₦145.00
- Refunded automatically when no result is returned
Straight answers
Is IDEX affiliated with NIMC or NIBSS?
Which verification services can I use today?
How much does a check cost, and when am I charged?
Do I need consent to verify somebody's NIN or BVN?
How do I get API access?
Authorization: Bearer header, and the
documentation covers every endpoint, field and error code.
How long do you keep verification results?
Still unsure? Ask us directly or email support@idex.com.ng.
Get your account ready before you need it
Registration is free, there is no monthly fee, and nothing is charged until you run a check. Set up your team, fund a wallet and issue your keys today.