In a nutshell
The SIM Swap API performs real-time checks on the activation date of a SIM card on the mobile network
It reveals if an individual mobile line has been ported to another SIM card.
The SIM Swap API is useful to prevent fraud by reducing the risk of account takeover fraud by strengthening SIM-based authentication processes such as SMS One-time passwords. Fraudsters use SIM swap techniques to intercept SMS messages and reset passwords or receive verification codes that allow them to access protected accounts.
Benefits
Prevention of fraudulent activities
The SIM Swap API helps businesses detect and prevent unauthorized SIM swap attempts, a common method used in account takeover fraud. By identifying changes in a user’s SIM card status, the API provides an additional layer of security for sensitive transactions and account access.
Enhanced security for user accounts
This service ensures that only legitimate users can access their accounts or authorize transactions by verifying that the mobile line has not been compromised. This reduces the risk of unauthorized access and protects both users and businesses from potential breaches.
Seamless integration for risk management
The SIM Swap API can be easily integrated into existing systems to provide real-time insights into SIM changes. This allows businesses to incorporate it into their risk assessment processes, enabling proactive responses to suspicious activity without disrupting user experience.
Improved trust and user confidence
By safeguarding user accounts against SIM swap fraud, businesses can build trust with their customers. Users benefit from knowing their accounts are protected, which enhances satisfaction and loyalty while reducing the likelihood of service abandonment due to security concerns.
Use cases
Fraud prevention in banking
A bank may query the API when a transaction appears suspicious. The SIM swap information feeds into the bank risk decision engine and security measures are applied accordingly by the bank. Also, strange behaviors or accumulation of SIM Swap notifications may help banks detect fraud scenarios in advance.
Fraud prevention for password reset – in e-commerce, social networks, etc
Password reset is often protected via a mobile verification e.g. One Time Password SMS. The online service provider may query the Sim Swap API to secure the mobile verification. A recent SIM swap may indicate a risk of account takeover fraud and the service provider can adapt the security measures accordingly.
Monitor customer complaints
The SIM Swap API allows to check for add-on performed without customer authorisation, patterns of upgrade resetting or suspicious activity sequences and timelines
Monitor calls into customer service
Customer services may be alerted in case of off-network calls into customer service, calls into specific routes/teams, monitoring interactive voice response selections and pathways
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Related APIs
Device Swap
Verify if a SIM card associated with a phone number has been transferred to a different physical device.
KYC Match
Verify if the information provided by users match with data from their mobile operator
Number verification
Verify phone numbers for data integrity and enhanced user authentication processes