Identity Multi-Factor Authentication

What is Identity Multi-Factor Authentication?

Identity Multi-Factor Authentication (MFA) is a low-friction authentication service to ensure your customers are who they claim to be. Two-thirds of the world’s population subscribe to mobile services, by 2025 it will be 70%, making phone numbers a valuable asset to use during your onboarding journey.
Identity MFA generates a time-sensitive, one-time passcode (OTP) and sends it to the supplied phone number through SMS. It is easy to use and easy to understand, with 92% of consumers being familiar with one-time passwords and 86% finding them to be a convenient and secure form of authentication. By connecting Identity MFA to your current IDV method, you will increase the percentage of good actors allowed on your platform, while creating a high level of friction for bad actors, ultimately reducing fraud rates and increasing trust and safety.
Identity MFA solution by Trulioo handles phone number cleansing and formatting based on E.164 requirements. In addition to being a global solution, Identity MFA only sends one-time passcodes to real phones and not web-based services such as VoIP (voice-over IPs).
Identity MFA also provides added flexibility to configure the length of the one-time passcode, the language you want the SMS to be in, and for how long the passcode will be valid.
An MFA transaction also returns additional data that can help customers make a better decision about their onboard users.

The first API call sends a one-time passcode to your user via SMS.

Once the user has entered the one-time passcode on your website, the second call to GlobalGateway verifies if that OTP is the correct one.