API Integration Guide

const API_BASE = 'https://www.verifynow.co.za/api/external';

async function callVerifyNow(path, body, idempotencyKey) {
  const response = await fetch(`${API_BASE}${path}`, {
    method: 'POST',
    headers: {
      'x-api-key': process.env.VERIFYNOW_API_KEY,
      'Content-Type': 'application/json',
      'Idempotency-Key': idempotencyKey,
    },
    body: JSON.stringify(body),
  });

  const data = await response.json();
  if (!response.ok) throw new Error(data.error || 'Verification failed');
  return data;
}

export async function runBankingFintechChecks(input) {
  const results = {};

  results.kyc = await callVerifyNow(
      '/verify',
      {
        bundle: 'kyc_bundle',
        idNumber: input.idNumber,
        mode: 'production',
      },
      `${input.customerReference}:kyc`
    );

  if (Boolean(input.selfieBase64)) {
    results.face = await callVerifyNow(
        '/facematch',
        {
          bundle: 'facematch',
          mode: 'production',
          selfie_image_base64: input.selfieBase64,
          id_number: input.idNumber,
        },
        `${input.customerReference}:face`
      );
  }

  if (input.riskLevel === 'high') {
    results.aml = await callVerifyNow(
        '/aml-screening',
        {
          mode: 'production',
          name: input.fullName,
          entity: 0,
          country: 'za',
          dataset: 'all',
        },
        `${input.customerReference}:aml`
      );
  }

  if (Boolean(input.bank)) {
    results.bank = await callVerifyNow(
        '/bank-account-verification',
        {
          type: 'Individual',
          firstName: input.firstName,
          surname: input.surname,
          identityNumber: input.idNumber,
          identityType: 'IDNumber',
          bankName: input.bank.name,
          bankAccountNumber: input.bank.accountNumber,
          bankBranchCode: input.bank.branchCode,
          bankAccountType: input.bank.accountType,
          mode: 'production',
        },
        `${input.customerReference}:bank`
      );
  }

  if (Boolean(input.companyRegistrationNumber)) {
    results.company = await callVerifyNow(
        '/cipc',
        {
          reportType: 'cipc_company_match',
          registration_number: input.companyRegistrationNumber,
          mode: 'production',
        },
        `${input.customerReference}:company`
      );
  }

  return {
    customerReference: input.customerReference,
    results,
    next: 'Apply your policy and route mismatches to manual review.',
  };
}