Allows merchant to verify first central information using bvn
In the event that such historical data is available with the associated credit bureaus and another blacklist repository, we utilize the Bank Verification Number (BVN) to provide simple and trustworthy results.
GET (LIVE)
{{URL}}/dikript/verification/api/v1/getcreditadvanced
GET (TEST)
{{URL}}/dikript/test/api/v1/getcreditadvanced
Parameter
| Key | Description |
|---|---|
| bvn | BVN Number |
Header (LIVE)
| Key | Description |
|---|---|
| x-api-key | Your Secret Key |
Header (TEST)
| Key | Description |
|---|---|
| x-api-key | Your Public Key |
Responses
{
"status": true,
"message": "Successful",
"code": "200",
"apiVersion": "v1",
"transactionRef": "N202410171613405022",
"data": {
"bvn": "22486213857",
"name": "Testing ",
"gender": "Test",
"dateOfBirth": "28/08/1982",
"address": "9 TEST STREET OPPOSITE TST IMPACT TEST OFF AG",
"phone": "08077874744",
"email": "",
"score": {
"totalNoOfLoans": [
{
"source": "CRC",
"value": 26.0
},
{
"source": "FIRST_CENTRAL",
"value": 18.0
},
{
"source": "CREDIT_REGISTRY",
"value": 13.0
}
],
"totalNoOfInstitutions": [
{
"source": "CRC",
"value": 11.0
},
{
"source": "FIRST_CENTRAL",
"value": 9.0
},
{
"source": "CREDIT_REGISTRY",
"value": 7.0
}
],
"totalNoOfActiveLoans": [
{
"source": "CRC",
"value": 15.0
},
{
"source": "FIRST_CENTRAL",
"value": 10.0
},
{
"source": "CREDIT_REGISTRY",
"value": 7.0
}
],
"totalNoOfClosedLoans": [
{
"source": "CRC",
"value": 11.0
},
{
"source": "FIRST_CENTRAL",
"value": 8.0
},
{
"source": "CREDIT_REGISTRY",
"value": 6.0
}
],
"totalNoOfDelinquentFacilities": [
{
"source": "CRC",
"value": 6.0
},
{
"source": "FIRST_CENTRAL",
"value": 3.0
},
{
"source": "CREDIT_REGISTRY",
"value": 1.0
}
],
"totalBorrowed": [
{
"source": "CRC",
"value": 6011846.0
},
{
"source": "FIRST_CENTRAL",
"value": 2219308.56
},
{
"source": "CREDIT_REGISTRY",
"value": 1595922.0
}
],
"totalOutstanding": [
{
"source": "CRC",
"value": 3660051.0
},
{
"source": "FIRST_CENTRAL",
"value": 677407.0
},
{
"source": "CREDIT_REGISTRY",
"value": 190009.0
}
],
"highestLoanAmount": [
{
"source": "CRC",
"value": 993000.0
},
{
"source": "FIRST_CENTRAL",
"value": 491900.0
},
{
"source": "CREDIT_REGISTRY",
"value": 491900.0
}
],
"totalOverdue": [
{
"source": "CRC",
"value": 2842704.0
},
{
"source": "FIRST_CENTRAL",
"value": 377364.0
},
{
"source": "CREDIT_REGISTRY",
"value": 64172.0
}
],
"maxNoOfDays": [
{
"source": "CRC",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": 803.0
},
{
"source": "CREDIT_REGISTRY",
"value": 60.0
}
],
"totalNoOfPerformingLoans": [
{
"source": "CRC",
"value": 20.0
},
{
"source": "FIRST_CENTRAL",
"value": 15.0
},
{
"source": "CREDIT_REGISTRY",
"value": 12.0
}
],
"totalMonthlyInstallment": [
{
"source": "CRC",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": 164049.0
},
{
"source": "CREDIT_REGISTRY",
"value": 89000.0
}
],
"totalNoOfOverdueAccounts": [
{
"source": "CRC",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": 5.0
},
{
"source": "CREDIT_REGISTRY",
"value": null
}
],
"loanPerformance": [
{
"source": "CRC",
"value": [
{
"accountNumber": "",
"loanProvider": "CITYGATE GLOBAL INVESTMENT LIMITED",
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"overdueAmount": 873460.0,
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"loanCount": 1,
"performanceStatus": "Not Performing",
"status": "Open",
"type": "",
"loanDuration": null,
"repaymentFrequency": null,
"repaymentBehavior": null,
"paymentProfile": null,
"dateAccountOpened": null,
"lastUpdatedAt": null,
"monthlyInstallmentAmt": null
},
{
"accountNumber": "",
"loanProvider": "FAST CREDIT LIMITED",
"loanAmount": 0.0,
"outstandingBalance": 116667.0,
"overdueAmount": 142971.0,
"noOfPerforming": null,
"noOfNonPerforming": null,
"loanCount": 4,
"performanceStatus": "Performing",
"status": "Open",
"type": "",
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"repaymentBehavior": null,
"paymentProfile": null,
"dateAccountOpened": null,
"lastUpdatedAt": null,
"monthlyInstallmentAmt": null
},
{
"accountNumber": "",
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"loanAmount": 150000.0,
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"overdueAmount": 445.0,
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"loanCount": 2,
"performanceStatus": "Performing",
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"type": "",
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"repaymentBehavior": null,
"paymentProfile": null,
"dateAccountOpened": null,
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"monthlyInstallmentAmt": null
},
{
"accountNumber": "",
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"loanCount": 1,
"performanceStatus": "Not Performing",
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},
{
"accountNumber": "",
"loanProvider": "TRUSTBANC MICROFINANCE BANK LIMITED",
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"performanceStatus": "Performing",
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},
{
"accountNumber": "",
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},
{
"accountNumber": "",
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},
{
"accountNumber": "",
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},
{
"accountNumber": "",
"loanProvider": "UNITED BANK FOR AFRICA PLC",
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"overdueAmount": 0.0,
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},
{
"accountNumber": "",
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},
{
"accountNumber": "",
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}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"accountNumber": "525PSLN223280016",
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"outstandingBalance": 25804.64,
"overdueAmount": 25804.64,
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},
{
"accountNumber": "525PSLN223280016",
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},
{
"accountNumber": "525PSLN223280016",
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},
{
"accountNumber": "525PSLN223280016",
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},
{
"accountNumber": "525PSLN223280016",
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},
{
"accountNumber": "525PSLN223280016",
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},
{
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},
{
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},
{
"accountNumber": "525PSLN223280016",
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}
]
},
{
"source": "CREDIT_REGISTRY",
"value": [
{
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},
{
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},
{
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},
{
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},
{
"accountNumber": "0700856021",
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"paymentProfile": "NNNNN0000000000000000000",
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},
{
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},
{
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},
{
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},
{
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},
{
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"paymentProfile": "NNNNNNNNNNNNNNNNNNNNNNNN",
"dateAccountOpened": "2020-05-06T00:00:00",
"lastUpdatedAt": "2023-10-26T11:20:25.96",
"monthlyInstallmentAmt": 17000.0
},
{
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"dateAccountOpened": "2020-04-29T00:00:00",
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},
{
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