Authentication

Verify account holder’s bank access credentials

Validate your customers’ information with manual, internet, mobile or USSD methods in real-time.

Increase conversions

Thanks to a seamless authentication process, you improve the opportunities of having customers who support your business.

Fight fraud

A thorough customer verification process helps lessen the likelihood of your product and service being used dishonestly.

Reduce risk

By confirming that your customers are who they say they are you protect your business and reduce your risk exposure.

Companies building with Authentication

How it works

01

User consent

Once your widget is launched, your customers are notified of the process you’re about to take on their behalf, after which you get their informed consent to process and authenticate their data.
02

Connect with banks

Your customers can choose from the list of login methods (web, mobile, internet, and USSD) available for connection with their bank.
03

Authenticate account

Your customers choose their banks and verify their identities by entering their login credentials which run in the background.
    04

    API report

    Okra will send you a report that corresponds with your API request and you will get details, such as:
    • Income
    • Identity
    • Balance
    • Transactions

    How it works

    01

    User consent

    Once your widget is launched, your customers are notified of the process you’re about to take on their behalf, after which you get their informed consent to process and authenticate their data.
    02

    Connect with banks

    Your customers can choose from the list of login methods (web, mobile, internet, and USSD) available for connection with their bank.
    03

    Authenticate account

    Your customers choose their banks and verify their identities by entering their login credentials which run in the background.
      04

      API report

      Okra will send you a report that corresponds with your API request and you will get details, such as:
      • Income
      • Identity
      • Balance
      • Transactions

      Plug-and-play with one API

      Using only a few lines of code, you can implement any one of our products in a matter of hours.

      1{
      2 "status": "success",
      3 "message": "Auths successfully retrieved",
      4 "data": {
      5 "total": 12388,
      6 "pagination": {
      7 "totalDocs": 12388,
      8 "limit": 1,
      9 "hasPrevPage": false,
      10 "hasNextPage": true,
      11 "page": 1,
      12 "totalPages": 12388,
      13 "pagingCounter": 1,
      14 "prevPage": null,
      15 "nextPage": 2
      16 },
      17 "auths": [
      18 {
      19 "id": "5fe0a6f8ee69d878a679ef39",
      20 "validated": true,
      21 "record": {
      22 "billable_products": [
      23 "auth",
      24 "identity",
      25 "balance",
      26 "transactions",
      27 "income"
      28 ],
      29 "_id": "5fe0a6ef442ddf16ccfa939a",
      30 "bank": {
      31 "colors": {
      32 "primary": "#03B1F0",
      33 "accent": "#008CC2",
      34 "button": "#03B1F0",
      35 "icon": "#03B1F0"
      36 },
      37 "_id": "5d6fe57a4099cc4b210bbeb9",
      38 "icon": "https://okra-images.s3.eu-west-3.amazonaws.com/Union+Bank+Nigeria+Logo+Color.svg",
      39 "logo": "https://okra-images.s3.eu-west-3.amazonaws.com/Union+Bank+Nigeria+Logo.svg",
      40 "name": "Union Bank of Nigeria",
      41 "v2_icon": "...SVG Data...",
      42 "v2_logo": "..SVG data..."
      43 },
      44 "env": "production",
      45 "owner": {
      46 "_id": "5d9288ea182d3d0374939848",
      47 "name": "Hooli",
      48 "app_name": "PiedPiper Clone"
      49 },
      50 "customer": {
      51 "_id": "5e93bad2038539d3a5315f32b",
      52 "name": "Gavin Belson"
      53 }
      54 },
      55 "bank": "5d6fe57a4099cc4b210bbeb9",
      56 "owner": "5d9288ea182d3d0374939848",
      57 "customer": "5e93bad841850d3a5315f384b",
      58 "created_at": "2020-12-21T13:45:28.643Z",
      59 "env": "production",
      60 "last_updated": "2020-12-21T13:45:28.643Z"
      61 }
      62 ]
      63 }
      64}

      Use cases

      What can you build with Okra's Authentication API?

      Okra's API for financial solution
      Okra for personal finance

      Okra consolidates financial data from multiple sources and categorizes transaction data with typically 24 months of history, making it easy to use and analyze

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      Okra for lending

      Okra makes it faster and easier to set up bank payments through a flow designed with the user experience and security in mind. Users enter their online credentials and Okra instantly authenticates their account to enable bank-to-bank payments.

      “Okra’s bank statement service extends to both individual customers as well as small and medium enterprises — which are the bedrock of the Nigerian economy. Our partnership with Okra has helped us achieve the truly digital auto loan offering for our customers”

      Chetan Seth CTO at Autochek

      “Working with Okra has been immensely valuable. Their continuous drive to push innovation boundaries in a complex market like Nigeria will unlock more paths for businesses like ours...”

      Jubril Juma Head of Product Strategy

      Other Products from Okra

      Extend what you can build with Okra’s Authentication API

      Gather customer data to ease business processes and get paid for your products and services.

      Income
      Income

      Instantly authenticate your customer's account and retrieve a full income profile.

      Identity
      Identity

      Quickly authenticate customer account information in real-time.

      Balance
      Balance

      Confirm the real-time account balances of your customers.

      Get started — it's free

      Bring your ideas to life with 100 free API calls. This applies to all Okra products so you can see what works for your project!

      create account