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BVN

Introduction

To access an individual's Bank Verification Number (BVN) information, the Central Bank of Nigeria (CBN) mandates that the BVN holder gives explicit consent. In recent times, more and more organizations are accessing BVN information to verify the identity of their customers.

This has raised concerns about the unauthorized collection of BVN data without obtaining the explicit consent of the BVN holder. It is crucial for customers to be aware of how their BVN information is being used and to ensure that their consent is obtained before any information is shared. This is an important step towards protecting personal data and maintaining privacy.

How It Works

  1. Initiate BVN: Pass the BVN to the "Initiate BVN" endpoint.
  2. 2FA Selection: The customer selects their preferred 2-factor authentication (2FA) method, either by email or phone or alternative contact.
  3. Verify OTP: The selected 2FA option is passed to the "Verify OTP" endpoint.
  4. OTP Generation: An One-Time-Password (OTP) is sent to the user.
  5. Fetch BVN Details: The received OTP is then passed to the "Fetch BVN details" endpoint, which returns the BVN details.
    By following these steps, you can securely access the BVN details with the explicit consent of the BVN holder.

By following these steps, you can securely access the BVN details with the explicit consent of the BVN holder.

Sandbox Environment

For testing purposes, we provide a sandbox environment where you can test the BVN Data API without incurring any charges. You can use the following sandbox credentials:

📘

Sandbox details

BVN: 12345678901
OTP: 123456

Please note that these credentials are for sandbox testing only and should not be used in production environments. In the sandbox mode, all API calls are free, and you can retrieve sandbox data using the provided credentials.

Next Steps

To proceed with integrating the BVN lookup functionality into your application, refer to the BVN Lookup Integration Guide here for detailed instructions on API endpoints, request body parameters, sample requests, and successful response examples.